Credit not the greatest and need a mortgage? At Approved By James Team, we can help. Not everyone has a great credit score. There are many reasons why your credit may be suffering, and not all of them have to do with poor money management. Many Canadians experience life events that have significant financial repercussions. Loss of employment, sudden illness, issues keeping up with bills, and other factors can all hurt your credit rating. As a leader in alternative financing, we understand the difficulties you could face when trying to get a mortgage with bad credit. The truth is that bad credit can be somewhat subjective, and the way banks and other lenders view your credit score and history can vary. Bad credit mortgages depend on many different factors. The loan value, property, and your unique situation will all factor into your ability to secure a mortgage with poor credit. But what makes us unique and a leader in the industry is our approach. When you apply for a bad credit mortgage with our mortgage specialists, you are approved based on the equity in your home, not your current credit rating. Our goal is to not only help you secure a mortgage but also start re-establishing your credit.