Struggling to Get a Mortgage with Bad Credit?
If you live in Winnipeg and have bad credit, getting a mortgage can feel hard. Banks say no. Lenders turn you down. It’s frustrating. But it doesn’t have to be the end.
We help people with bad credit find real mortgage options.
Who We Are
We’re local mortgage brokers in Winnipeg. We work with people every day who have low credit scores. That’s our focus. We look at your whole situation, not just your credit report.
What We Do
We find lenders who say yes when the banks say no. Some lenders understand that life happens. Missed payments, job loss, or debt. We’ve seen it all. And we’ve helped people through it.
We don’t judge. We listen.
Then we get to work.
Here’s how we help:
- Talk with you to understand your money situation
- Look at all your options, even if your credit is low
- Work with lenders that offer bad credit mortgages
- Explain things clearly, no fine print, no jargon
- Walk with you until the deal is done
What Counts as Bad Credit?
Credit scores under 650 are usually considered bad. If you’re below that, banks may turn you away. But we can still help.
You might have:
- Missed payments
- Collections
- A past bankruptcy
- Consumer proposal
- High credit card debt
That doesn’t mean you can’t get a mortgage.
We Make It Simple
You don’t need to figure it out alone. We know how lenders think. We know what documents they want. We help you get things ready so they’re more likely to say yes.
Even if you’ve been told no before, we may still find a way.
Why Use a Mortgage Broker?
We Work for You
We don’t work for the banks. We work for you. That means we’re on your side. We’ll tell you what’s real and what’s not.
We Save Your Time
We do the heavy lifting. You won’t need to call 10 places or fill out 10 different forms. We take care of it.
We Know the Lenders
We work with lenders in Winnipeg and across Canada who do bad credit mortgages. Some of them don’t advertise. But we know who they are.
We Make It Easy on Your Time
You don’t need to take a day off work to meet us.
We know people have jobs, shifts, and busy lives. Banks expect you to come in during their hours. But we’re not the bank.
Here’s how we make it easier:
- You don’t need an appointment at a branch
- We can talk early morning or in the evening
- We use phone and email to get everything done
- You don’t need to miss work or lose pay to apply
Most banks can’t offer that kind of flexibility. We can.
Can You Get Approved?
It depends. But if you:
- Have steady income
- Have a down payment (at least 20% is best)
- Can show you’re getting back on track
Then yes, you may get approved even with bad credit.
We’ll look at your full story, not just your score.
What Will It Cost?
Rates for bad credit mortgages are usually higher than bank rates. That’s because the risk is higher for the lender. But the goal is to get you approved now and then improve your credit later.
We’ll explain all the costs up front. No surprises.
Next Steps
1. Talk to Us
Tell us your situation. No pressure. No sales talk. Just a real conversation.
2. We Review Your Options
We’ll go over what’s possible. We’ll keep it simple.
3. You Decide
If it makes sense, we move forward. If not, no problem.
Get in Touch
We’re based in Winnipeg. We get it — this stuff is stressful. But you don’t have to handle it alone.
If you’re searching for a mortgage broker in Winnipeg for bad credit, Contact Winnipeg Mortgage Brokers. we’re here to help.