Bad credit mortgages

Bad credit mortgages are also known as sub-prime mortgages or adverse credit mortgages. Bad credit mortgages are suitable for people who have bad credit ratings but still wish to purchase property. If you have a bad credit history, Manny Johar's Toronto bad credit mortgages experts can provide a financial solution to help you achieve your dreams. Manny Johar's Toronto bad credit mortgages experts have the skills, knowledge, and experience to find the best solution for your financial situation. Manny Johar's Toronto bad credit mortgages professionals has delivered hundreds of financial solutions to clients throughout the GTA and would love the opportunity to help you get back on your feet. However, bad credit mortgages usually have a higher interest rate and longer term than normal mortgages, as individuals who are approved for bad credit mortgages are deemed to be at a higher risk. Some of the reasons that you may have a bad credit rating may include:

  • Debt to income ratio of 50% or higher
  • Mortgage delinquencies
  • Charge-offs
  • Bankruptcy
  • Missed or late credit payments
  • Inability to meet everyday expenses
  • And more

If any of the above are applicable to your situation, please do not hesitate to contact Manny Johar's Toronto bad credit mortgages professionals as soon as possible to get you the help you need! There are many factors that are taken into consideration when applying for mortgages such as your income, your current debts, and your credit rating. Manny Johar, mortgage agent, will teach you everything you need to know about bad credit mortgages in order to make an informed decision as to whether this is the best financial solution to your current situation. Manny Johar's Toronto bad credit mortgages team services clients across GTA cities such as Toronto, Scarborough, Mississauga, Vaughan, Markham, Brampton, Oakville, Burlington, Hamilton, Newmarket, and Oshawa. If you have any questions or concerns about bad credit mortgages, please contact Manny Johar's Toronto bad credit mortgages team of professionals today!

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What Our Clients Say

  • "Thank you Manny!! You did for me what 3 other brokers could not. You are the only one that was able to get me signed for an increased 1st mortgage. Just amazing. You are a man of your word and you truly do work for the people and not the banks. I can't thank you enough for your help. I'll see you in 2 years :)."

    - Brian L.

    Beeton, Ontario
  • "I can't even begin to explain how much Manny helped me. Right from the first conversation to our last, he was fantastic. He answered all my questions and assured me that he would take care of everything. I just had to sit back and relax. He made that possible for me. He helped me when no one else would and assured me he would get the job done. I was his main focus and he proved that through and through. I would definitely recommend Manny. His professionalism is solid. Thank you so much Manny. You were my rock when I felt the walls closing in. You never made me feel like I was just a client….you made me feel important and a priority. Thank you."

    Grace O.

    Bowmanville, Ontario
  • "Hi Manny, I would like to take this opportunity to extend my profound thanks to you and your colleagues for your immediate assistance when I needed financial help. I can't seem to thank you enough for coming to my rescue, when the Financial Institution I've been dealing with couldn't trust me for the small loan that I had applied for. Your flexibility and excellent service you gave is indeed beyond compare. More power to you and your colleagues."

    Estrella J.

    Scarborough, Onatrio
  • "Hi Manny, You have delivered excellent service & exceeded Lynn & I's expectations since we met you. Manny what you promised us you came through with excellent communications. Plus involving your legal contact with us. That is beyond expectations to any customer. Again Manny you have provided excellent service to us. You are a professional person and would be a great asset to any company. If you ever need a reference letter. Lynn & I would provide you a letter of great commitment & professional business individual."

    Bryan & Lynn D.

    Alliston, Ontario