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.
Home Equity Loan to Buyout a Spouse in Canada: Your Guide
How to Use a Home Equity Loan to Buyout Spouse in Canada Short answer: A home equity loan to buyout spouse arrangements let one partner keep the family home after separation by borrowing against the property to pay the other their share of the equity, instead of...
AI Powered Mortgages for Bad Credit: How Canadians Get Approved Faster
AI powered mortgages for bad credit are no longer just a concept—they're a real, growing solution for Canadians who don’t meet traditional lending criteria. While these technologies were once limited to A-lenders and prime borrowers, AI is now making serious inroads...
Avoid foreclosure in Canada – Essential Tips for Homeowners
Every year, thousands of Canadian homeowners face the possibility of foreclosure or power of sale due to unexpected financial challenges. While Canada’s national mortgage arrears rate remains below 0.20%, that statistic doesn’t tell the full story for homeowners...
Declined by TD Bank? Don’t Panic You Have Options!
Being declined by TD Bank can feel like a punch to the gut, especially when you were counting on that mortgage or loan approval. Whether you were applying for a new mortgage, a refinance, or a home equity loan, a rejection from one of Canada's largest banks can leave...
Denied by RBC? Here’s How to Rebuild, Refinance, and Return to Your Bank
Being denied by RBC can come as a shock, especially when your mortgage, chequing, and credit cards are all under one roof and you assumed a refinance or HELOC would be routine. Then came the surprise: the answer was no. Short answer: Being denied by RBC usually comes...
Power of Sale: What it is, and how to Avoid it
Power of sale. Three words you never want to hear as a homeowner. Unfortunately, keeping up with your mortgage payment can be a very difficult task. Unexpected expenses like automotive repairs, sudden injuries, or changes in work circumstances can prevent borrowers...
Home Equity Financing: What It Is, How It Works & When to Use It
Home equity financing allows Canadian homeowners to unlock the value in their homes to consolidate debt, cover major expenses, or stop foreclosure. With over $4 trillion in home equity across the country, this guide breaks down how home equity loans, HELOCs, and refinancing work—plus when to use them, how to qualify, and what to watch out for. Learn how to turn your home’s equity into a flexible financial solution.
Behind on Property Taxes? Learn How to Stop a Tax Sale Before It’s Too Late!
Behind on your property taxes in Ontario? Don’t wait for the city to act. Learn how to stop a tax sale, avoid penalties, and use your home equity to regain control—before it’s too late
Missed Mortgage Payments? It’s not too Late!
Missing a mortgage payment can feel overwhelming, but it doesn’t have to lead to foreclosure. Whether it’s due to job loss, illness, or rising living costs, many Canadians fall behind at some point. The key is acting quickly and knowing your options. In this guide, we’ll explain what happens if you miss a mortgage payment in Canada, the impact on your credit, and how to get back on track—before things spiral.
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