Lower Your Monthly Payments — Even with Bad Credit

Consolidate debt, access equity, or finance a purchase —no upfront fees, no pressure, just clear mortgage options.

If you’re a Canadian homeowner (or you’re buying with a strong down payment), you may qualify for mortgage solutions even if your credit isn’t

perfect, income is irregular, or you’ve been declined by a traditional lender. 

✅ No upfront fees to get started. 

We’ll review your situation and outline options before any commitment. 

BENEFITS

  • Bad credit, self-employed, or uneven income OK 

  • Refinance or purchase using equity or strong down payment 

  • One lower payment instead of multiple high-interest debts 

  • No upfront fees to review your options

Check Your Options — It Takes 30 Seconds

🔒 Your information is secure. No obligation. No upfront fees.

A deposit may be required only upon approval, if you choose to proceed.

What Homeowners Like You Are Saying

“We were drowning in credit card payments and thought bad credit meant no options. Align Mortgage helped us consolidate everything into one manageable payment. The process was clear and there was zero pressure.”

Sarah M., Ottawa ON

“As a self-employed borrower, the banks kept saying no. Align Mortgage actually looked at the full picture and walked us through a real plan. Huge relief.”

Jason L., Kingston ON

“I was nervous to even fill out the form, but the Discovery Call was just a conversation. No judgment, no upfront fees — just honest options.”

Amanda R., Ontario

Check If You May Qualify (Fast + Confidential)

This is a fit if you have equity in your home — or a meaningful down payment for a purchase. 

In many cases, we can help you:

  • Consolidate debt (credit cards, loans, lines of credit, CRA balances) 

  • Reduce monthly payments and improve cash flow 

  • Access funds for renovations to get your home ready to sell 

  • Create a short-term plan to stabilize finances and rebuild credit 

  • Finance a purchase using alternative or equity-based options

Do Any of These Apply to You? 

  • High monthly payments are stretching your budget 

  • Credit card balances keep growing (even when you pay the minimum)

  • Credit score has dropped due to life events 

  • Self-employed, commission-based, seasonal, or variable income

  • Missed payments, collections, consumer proposal, or past bankruptcy 

  • You were declined by a bank or told “not right now” 

  • You own a home and have equity — or you have a strong down payment 

If you checked even one, you may have options. 

Why Equity (or a Strong Down Payment) Matters 

Traditional lenders often focus heavily on credit score and strict income rules. 

We take a broader view — with a focus on equity and the overall story. 

Equity can help you:

  • Pay off multiple high-interest debts 

  • Replace them with one manageable payment 

  • Reduce interest costs and stop compounding debt  

  • Create breathing room to get back on track 

You don’t need perfect credit. You need a workable plan. 

What We Help With Most 

  • Debt consolidation refinancing 

  • Bad credit refinancing 

  • Self-employed mortgage solutions   

  • Purchase mortgages with alternative / equity-based options

  • Bridge or short-term solutions before selling 

  • Renovation or repair funding

  • Private and alternative mortgage strategies

Every situation is different — we match you with an approach that fits your goals. 

How the Process Works 

Step 1 — Fill Out the Form 

Share your name, phone number, and email (takes about 30 seconds). 

Step 2 — We Book Your Discovery Call 

One of our staff will contact you directly to book a discovery call with a licensed mortgage representative. 

On that call we’ll: 

  • Review your goals (lower payments, debt consolidation, purchase, renovations) 

  • Confirm the basics (property, equity/down payment, timelines) 

  • Outline potential next steps 

Step 3 — Mortgage Strategy + Next Steps 

If it looks promising, we’ll book a follow-up strategy meeting and request additional information (documents, payout statements, etc.) to begin the process. 

No pressure. No obligation. 

Fees & Upfront Costs (Important)

  • There are no upfront fees to start the review or book your discovery call. 

In some cases, a deposit MAY be required after you have been approved and want to proceed with a certain mortgage offer (for example, to proceed with certain lender or legal steps), but not before we’ve reviewed your situation and you choose to move forward. This only applies is certain circumstances with certain lenders. 

Why Homeowners Choose Us 

  • Licensed Ontario mortgage professionals 

  • Access to alternative, private, and equity-based lenders 

  • Experience with complex credit and income scenarios 

  • Clear, confidential, judgment-free conversations 

  • Solutions-oriented approach when banks won’t help 

Book Your Discovery Call Now 

If you have equity (or a strong down payment), you may have more options than you think. 

👇 Fill out the form and we’ll reach out to book your discovery call. 

Get Started

🔒 Your information is secure. No obligation. No upfront fees.

A deposit may be required only upon approval, if you choose to proceed.

Privacy + No Obligation 

  • Your information is kept private and secure 

  • Exploring options does not obligate you to proceed 

  • No upfront fees to start (deposit may be required upon approval if you choose to proceed) 

Stop letting high-interest debt control your life — or delay your next move. 

If you have equity or a solid down payment, we can help you build a clear mortgage strategy. 

👉 SEE MY OPTIONS NOW

Align Mortgage Corporation, Mortgage Administrator FSRA #13453, Mortgage Brokerage FSRA #13550, 1900 City Park Drive, 3rd Floor, Ottawa, ON, K1J 1A3.