Krishna Menon License# M08005598

We have the right solutions for you

Do you live in the Milton, Burlington, GTA or anywhere else in Ontario? Do you have bad or poor credit, or a consumer proposal and are trying to get a mortgage but it's proven to be next to impossible? We can help.

Has your bank declined to finance your mortgage due to you having bad, bruised or poor credit?

The Big Banks in Canada follow a very stringent set of guidelines to mortgage lending. These are based on credit score and Gross Debt/Total Debt Ratios. Most people in Ontario are unaware of the fact that the big banks are not the only mortgage lenders they can choose from. We work with many alternative mortgage lenders who can approve borrowers for mortgages regardless of their credit score.

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Alternative lenders

Alternative lenders understand that unforeseen life events and decisions made in the past can sometimes harm one’s credit score. We have helped many Milton, Burlington, GTA and Ontario borrowers who after being declined by their financial institution, felt they had no choice but to sell their home. Our expertise in bruised or bad credit refinancing can help you refinance your mortgage with the most competitive terms we have access to.

Get mortgage approval even with Bad Credit in GTA & Ontario

Dealing with significant debt can be challenging due to high-interest rates, resulting in higher monthly payments. Refinancing your mortgage with a lower interest rate can save you on interest costs, reducing monthly payments and expediting debt repayment.
A mortgage broker can help you find the right debt consolidation mortgage solution in GTA & Ontario tailored to your needs, even if your credit score is below 600 (R3, R4, R5, R6, R7, or R9). We specialize in bad credit mortgages, making homeownership more accessible.

Why you may need financial support in Canada

Life changes like divorce, job loss, or loss of a loved one can cause financial difficulties. We offer compassionate guidance and strategies to manage these challenges while keeping your homeownership goals on track.
Beyond mortgages, we offer credit counseling, credit repair, and homebuyer education to empower you with the skills and knowledge for long-term financial success.

Menon Financial helps you get a Mortgage, Even with Bad Credit

At Menon Financial Solutions, we specialize in helping clients secure mortgages in GTA & Ontario, leveraging our network and expertise to accommodate less-than-ideal credit or existing debt. We provide personalized assistance and strategies to improve your mortgage eligibility, ensuring everyone has a chance at homeownership.

Whether you’re looking for a new home or refinancing, our team is dedicated to helping you explore all options. We aim to provide you with the knowledge and choices for sound financial decisions.

Contact us today at 416-409-5733 to embark on your journey toward a mortgage that suits your needs, even with bad credit or existing debt, and let our experience guide you toward homeownership and financial success.

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What is a mortgage going to cost you each month?

Try one of our easy to use mortgage calculators below to get a quick idea. If you have any questions, simply call or email for fast service.

Simple Mortgage Calculator

Calculate the maximum mortgage amount you qualify for based on your income. A great tool for buyers.

Maximum Mortgage Calculator

Calculate your mortgage payment. Create an amortization schedule. Discover what you will owe in 5 years.

Items we need from you when it comes to the Mortgage Process.

Providing all of the required documentation ensures that we can efficiently process your mortgage application. We will advise which of the following you will need to provide:

  • Agreement of Purchase and Sale
  • MLS Listing
  • Contact information for your lawyer: name, address, phone and fax numbers
  • 2 pieces of personal identification for all parties involved
  • Income and employment verification
  • Recent pay stub(s)
  • Letter of employment
  • T4(s)
  • Notice of Assessment(s) if self employed (NOAs)
  • Proof of Down Payment: 3-month history of savings/investments
  • Gift letter with bank statement
  • Void cheque
  • Copy of home insurance policy

An appraisal of the property may also be ordered.

We like to roll up my sleeves so we get to know each other better. We like to be completely clear on your needs today and your goals for the future. We will send your application to the lender (or lenders) that can best meet your needs.

We deal with over 50 lending institutions, including major banks, credit unions, trusts and other national and regional lenders, which means we can put significant negotiating power to work for you. This wealth of product choice helps me find the best mortgage to fit your specific financial situation.

After your mortgage closes, we will continue to stay in touch with ongoing communications, because life doesn’t stand still and your mortgage needs can change over time. As your needs and situation shift, we will tailor your mortgage plan so that it always fits your current goals.

We appreciate any referrals – Thanks again

Local Ontario Cities We Serve

Simple Mortgage Calculator

Simple Mortgage Calculator

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