The TurnedAway.ca Mortgage Blog
Straight Answers for Homeowners the Banks Turned Away
For more than 20 years we have helped Canadian homeowners use their equity to stop foreclosure, clear tax debt, consolidate high-interest balances, and get approved when the bank said no. This is where we share what we have learned, in plain language, so you can make confident decisions about your home and your finances.
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Browse by Topic
Find the guidance that fits your situation.
Home Equity Loans
Using the equity you have already built to access funds, even with bruised credit or non-traditional income.
Bad Credit Mortgages
How homeowners with low credit scores, missed payments, or collections still get approved.
Private Mortgages
When banks and B lenders say no, private lending can offer fast, equity-based solutions.
Second Mortgages
Borrow against your equity without touching your existing first mortgage or its rate.
Stop Foreclosure
Facing a power of sale or foreclosure? Learn the steps that can keep you in your home.
Debt Consolidation
Roll high-interest credit cards and loans into one manageable payment using home equity.
CRA Debt & Liens
Clear Canada Revenue Agency tax debt and remove liens before they threaten your home.
Property Tax Arrears
Behind on property taxes? Stop a tax sale and bring your account current with your equity.
Featured Guides
Our most useful reads for homeowners exploring their options.
Late Mortgage Payment Canada: What Happens & Fixes
Power of Sale vs Foreclosure in Ontario: 7 Differences
How Does Power of Sale Work in Ontario? 5-Stage Guide
Alberta Bad Credit Mortgages: How Existing Homeowners Get Approved When Banks Say No
Alberta Bad Credit Mortgages: You did the hard part—you bought a home in Alberta. Then life happened. Maybe a job loss, a health issue, higher costs, or a business downturn. A few late payments turned into collections. Your credit score slipped. Now your bank is...
Poor Credit Home Equity Lenders Canada: How to Unlock Your Equity
Poor credit home equity lenders are in high demand. Did you know that Canadian homeowners extracted nearly $89 billion in equity in 2017 alone, through refinancing and home-equity lines of credit? That number shows how powerful home equity can be. By working with poor...
Second Mortgage Lenders: How to Get the Best Approvals
Choosing among second mortgage lenders in Canada is the difference between affordable financing and an expensive mistake. Where you go, a bank, an alternative lender, a private lender, or a mortgage investment corporation, depends on your credit, your equity, and how...
Second Mortgage Ontario: How to Secure the Best Approval
A second mortgage in Ontario lets you borrow against your home equity while keeping your first mortgage in place, which matters when breaking your first mortgage would trigger penalties or a higher rate. This guide covers how second mortgages work in Ontario, the...
Hard Money Farm Loans Canada: A Complete Walk-Through
Imagine you found the perfect 120-acre parcel of farmland just outside the GTA, but traditional farm financing won't approve you because your credit is challenged, or the land isn't currently producing income. You need fast capital, flexible terms, and someone who...
2nd Mortgage Loan Rates in Canada: Everything You Need to Know
If you are researching second mortgage rates, the most useful thing to understand up front is that the rate is only part of the equation, and it is not set the way a first mortgage rate is. A second mortgage sits behind your first, so it is priced on your individual...
Turned Away by Your Bank? Let's Talk.
For more than 20 years we have helped Canadian homeowners get approved using their equity when the banks said no. There may be a solution for you too.
Get Approved Nowor call 1-855-668-3074