Bad Credit Mortgages
Everyone Deserves a Home
Bad credit doesn't mean bad options. Lez Gomez specializes in securing mortgage approvals for Ontario clients with low credit scores, past bankruptcies, consumer proposals, and collection accounts. With access to B-lenders, credit unions, and private lenders across Toronto, Mississauga, Hamilton, Ottawa, and all of Ontario, Lez Gomez finds solutions when banks won't.
Benefits of Working With Us
Lez Gomez provides expert mortgage solutions tailored to your unique situation across Ontario.
No Credit Score Too Low
Lez Gomez works with lenders who approve mortgages for Ontario clients with credit scores as low as 400. Whether your credit was damaged by divorce, job loss, medical issues, or past mistakes, we have options across Toronto, Mississauga, and province-wide.
Bankruptcy & Proposal Experts
Recently discharged from bankruptcy or still in a consumer proposal? Lez Gomez has lender programs specifically designed for Ontario clients rebuilding after insolvency. We've helped hundreds across Hamilton, Ottawa, Brampton, and beyond.
Credit Rebuilding Strategy
Lez Gomez doesn't just get you a mortgage - we create a plan to improve your credit score so you can qualify for better rates at renewal. Our Ontario clients typically see 50-100+ point improvements within 12-24 months.
Judgment-Free Service
Life happens. Lez Gomez provides compassionate, professional service to every Ontario client regardless of credit history. Your financial past doesn't define your future - especially in Vaughan, Barrie, Kitchener, London, and across Ontario.
Fast Processing
Bad credit applications need experienced handling. Lez Gomez packages your file strategically, highlighting your strengths and mitigating concerns. Our expertise means faster approvals for Ontario clients in every community.
Customized Solutions
B-lender, credit union, private, or combination financing - Lez Gomez tailors the solution to your unique situation. We serve Ontario homebuyers and homeowners in Markham, Oakville, Burlington, Guelph, and every community.
Your Path to Approval
Lez Gomez makes the mortgage process seamless from application to closing.
Credit Review
Call Lez Gomez at 416-723-1313 for a confidential credit review. We pull your report, identify issues, and determine which lender programs fit your Ontario situation best.
Strategic Packaging
Lez Gomez presents your application strategically, emphasizing strengths like equity, income stability, and payment history. We position your file for maximum approval probability.
Lender Submission
We submit to carefully selected B-lenders, credit unions, or private lenders who specialize in your credit profile. Lez Gomez negotiates the best rate available for your Ontario mortgage.
Approval & Rebuild
Secure your mortgage and start your credit rebuilding journey. Lez Gomez provides ongoing guidance so you qualify for A-lending rates at your next Ontario mortgage renewal.
Do You Qualify?
Lez Gomez works with 50+ lenders across Ontario to find solutions even when banks say no. Here are the typical requirements:
Credit scores from 400+ (Lez Gomez has options for every score range)
Past bankruptcies or consumer proposals (discharged or active)
Collection accounts and judgments on your credit bureau
CRA tax debts or liens against your property
Previous mortgage arrears or power of sale history
Limited credit history or newcomers to Canada
Minimum 10-20% down payment (varies by credit situation)
Property must be in Ontario - all communities served by Lez Gomez
Ready to Get Started?
Speak with Lez Gomez today for a free consultation and personalized mortgage solution.
Common Questions
Can I get a mortgage with a 400 credit score in Ontario?
How soon after bankruptcy can I get a mortgage in Ontario?
What interest rates do bad credit mortgages have in Ontario?
Can Lez Gomez help with a consumer proposal mortgage?
Will getting a bad credit mortgage help improve my credit?
Lez Gomez: Ontario's Trusted Bad Credit Mortgage Expert
Lez Gomez has built a reputation as Ontario's most compassionate and effective bad credit mortgage specialist. With over 15 years of experience helping clients with credit challenges, Lez Gomez understands that bad credit can happen to anyone - divorce, job loss, medical emergencies, business failures, and economic downturns all impact credit scores. That's why we work with 50+ B-lenders, credit unions, and private lenders across Ontario to find mortgage solutions for every credit situation. Whether you're dealing with a 400 credit score, recent bankruptcy discharge, active consumer proposal, CRA tax liens, collection accounts, or a combination of challenges, Lez Gomez has the expertise and lender relationships to get you approved.
Ontario's real estate market doesn't wait for perfect credit. Lez Gomez ensures that credit-challenged Ontarians in Toronto, Mississauga, Brampton, Vaughan, Richmond Hill, Markham, Oakville, Burlington, Hamilton, St. Catharines, Niagara Falls, Kitchener, Waterloo, Cambridge, Guelph, London, Barrie, Orillia, Peterborough, Kingston, Ottawa, Sudbury, Thunder Bay, and every community can access homeownership and refinancing options. Our approach combines immediate mortgage solutions with long-term credit rebuilding strategies, ensuring you transition to lower rates as quickly as possible. Lez Gomez is FSRA-licensed, carries a 5-star Google rating, and provides free consultations to every Ontario client. Call 416-723-1313 today.
Lez Gomez Serves All of Ontario
As a licensed Ontario mortgage agent, Lez Gomez provides bad credit mortgages services across every city and town in the province:
Greater Toronto Area
Hamilton, Niagara & Southwestern Ontario
Eastern Ontario
Central & Northern Ontario
All Other Ontario Communities
Other Mortgage Solutions by Lez Gomez
Ready to Secure Your Mortgage?
Lez Gomez is ready to help you find the perfect mortgage solution. Get a free consultation today.