Professional Mortgage Help For Bad Credit

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As part of Canada’s #1 mortgage company, we work with people like you – to find them a mortgage with bad credit. Don’t let mistakes or issues from your past cost you thousands of dollars or the dream of home ownership. Our simple online application form only takes 90 seconds of your time.

Ardent Mortgages is proud to be a member of the VERICO network.

VERICO Financial Group Inc. is a Top Mortgage Broker Network in Canada. 34% of Canadians who bought their houses in 2015 used mortgage brokers instead of major banks, and it’s easy to see why more and more Canadians are getting their mortgages through us.

VERICO has 2,300 expert mortgage advisors from coast to coast who help over 45,000 Canadians buy and finance their homes each year.

We Specialize In Mortgage Help For Bad Credit. Whatever Your Circumstances, We Can Help You In Just 90 Seconds:

Buying a home

Whether you're a first time home buyer, buying an investment property or your dream cottage - we have helped hundreds of people like you. Get professional mortgage advice at every step of your purchase.

Mortgage Pre Approvals

Quickly and easily find out how much you can afford and what kind of mortgage pre approval you can get. Our top professionals guide you all the way through until the keys to your new home are in your hand.

Refinances / Renewals

Pay off some debts or simply lower your mortgage rate. We search over 39 lenders for you so see how we can make your money work better for you and potentially save you hundreds of dollars every single month.

Professional Help With Mortgages For Bad Credit

Just because you have poor credit does not mean that you can’t get a mortgage deal. If you’ve been rejected by the banks, we work with over 30 lenders – many of whom can help you out.

Our mortgage agents will work with you to get you the right mortgage deal for your circumstances.

You Could Save Thousands Of Dollars

Whether you are consolidating high levels of debt or seeking your first home, we can put a plan together for you that could potentially save you a huge amount of money. We have done exactly this for hundreds of clients before.

When you have poor credit, going with a different lender or paying off debt can literally free up your life and lift a heavy weight off your shoulders.

Get Back On Track To A Better Mortgage Rate And Greater Financial Health

The Ardent Mortgages team will help you come up with a plan that will allow you to potentially clear up your debts and improve your credit score. If you stick to the plan for a couple of years, your bad credit history could be cleaned up and we can work with you to get you back to a bank.

Creating a long-term plan to reduce your debts, improve your credit score and reduce your mortgage rate is key to saving a lot of money.

“This sounds great – but does all of this take days, weeks or months to sort out?”


Get your life back on track and putting your finances in order doesn't have to take months. Once you fill out our short 90 second application, you will have a dedicated mortgage agent working with you to get the best deal for your situation.

We work with a number of lenders that provide mortgage help for bad credit.

As dedicated mortgage brokers we work closely with the major banks as well as a number of other alternative and private lenders. Work with us to quickly and easily get the best mortgage for you.

Don't just take our word for it!

"My husband and I worked with Joseph to get our mortgage and we were very happy with what he had offered us. He has put us on the right path. I would recommend Joseph in a heart beat. You will get good service from him."

Tina Q

"I just wanted to say thank you very much for working so hard to get me my mortgage when other companies wouldn't even look at me, you truly were my earth Angel and I so much appreciate what you did for me. It came down to the wire but it closed and what a relief, I am now debt free apart from the mortgage. I guess I will be talking to you a year when I am up for renewal."

Bridget M

Don’t Go It Alone – Get Our Professional Help

Mortgages can be confusing and complicated under the best of circumstances. When you throw poor credit into the mix, things get even more difficult and hard to understand.

We get it. A lot of our clients with bad credit have a tough experience with getting a mortgage. Many of them go to their bank only to be turned down.

And no one likes being turned down.

This is why we provide professional help to find you the right mortgage deal. Our mortgage agents will work with you to show you exactly how they could save you a lot of money – despite the fact you are getting a mortgage with poor credit. And our agents put in the hard work for you, so you don't have to.


Qualifying For A Bad Credit Mortgage Is Possible
– With The Right Help & Advice

Qualifying for a mortgage when your credit is not good is not the easiest thing to do, but with a top mortgage professional on your side you could be on your way to a better financial future in no time.

Not Just A Mortgage Brokerage – We Bring Much More To The Table:

  • An expert financial team to take your budget and match it with the right mortgage
  • Professional advice so you can rest easy knowing you are making the right financial choices
  • Award winning service from a VERICO network backed professional
  • No surprises buried in your mortgage – we explain all the features
  • Access to over nearly all the major lenders on the market – we do all the work so you don’t have to
  • Save time and hassle of shopping around and potentially facing rejection after rejection
  • Legendary support – if you have any questions at any time, we are a quick phone call away!

The question is: Why wouldn’t you want one of our top professionals working to help you save money?

Located In And Serving Kitchener, Waterloo, Cambridge And All Of Ontario

Whether you're a first time home buyer, looking for a mortgage refinance, a mortgage pre-approval or a bad credit mortgage - we've got a mortgage for that.

If you're looking for a mortgage broker near me, you're able to reach us anytime with a quick phone call or email. And if you're located in the KW area, you can visit our offices.

Ardent Mortgages Inc.
FSCO License #13023
Kitchener Mortgage Broker
440 Phillip St.
Waterloo, Ontario
N2L 5R9
Local-No: (519) 772-7615

Call us 24/7

Why We Focus on Mortgage Help For Bad Credit

Note, we didn't say bad credit clients. Your credit, good or bad, is not a reflection on you. We think everyone deserves the opportunity to own a home and get a mortgage. Even if you have poor credit.

We don't think you should be punished for the rest of your life for making a few mistakes in your past. Having bad credit can be like falling into a trap where you get stuck in the same cycle for years on end, costing you thousands of dollars in additional fees and higher interest rates.

We want to change this. We are dedicated to giving our clients the opportunity to escape the cycle of debt.

Our top mortgage professionals will work on a plan to save you thousands of dollars in the long run and guide you through every step of the way. We have done it before.

If you find yourself stressed out about your credit situation and how it is impacting your life, we can help.

Don’t go it alone – get the help of a top professional to guide you along each step of the way. Best of all getting started is easy - our initial online assessment is completely free. You don’t need to pay us a penny for looking at your circumstances and coming up for a plan as to how we can help. All prepared by licensed mortgage agents of Ardent Mortgages Inc.

Give it a shot and join people just like you who have completely changed their lives by getting a great mortgage deal despite their credit situation.


-Joseph Accardi and the Ardent Mortgages team

Professional Mortgage Help For Bad Credit

Get our key strategies to improve your credit and get the financing you need, subscribe below!