Bank Declined Your Mortgage? We Help Get It Approved.
Self-employed, dealing with low credit, or facing strict bank requirements? We assess your situation and connect you with lenders across Canada who may still help you secure a mortgage.
Quick eligibility review
Multiple lender options
No obligation consultation
No impact on credit score • Free consultation
Why Mortgage Applications Get Declined
Traditional banks have strict lending criteria, and not every application fits their requirements. But a decline doesn’t mean your options are over.
Self-Employed Income
Irregular income patterns make traditional banks hesitant
Low Credit Score
Past credit issues affecting your mortgage approval
High Debt Service Ratio
Existing debts relative to your income are too high
Job Change / Unstable Employment
Recent employment changes raising red flags
Insufficient Down Payment
Not meeting the minimum down payment requirements
Property Appraisal Issues
Property value concerns or condition problems
Condo / Special Property Type
Non-standard property types banks avoid
Failed Stress Test
Unable to qualify under current interest rate stress test
Your Bank Said No. Your Options Aren't Over.
Approval Rate
87%
Average Processing Time
2-3 Days
Fast-track your mortgage review with our network of lenders
Lender Network
50+
Access to alternative lenders across Canada
If a traditional bank declines your mortgage application, it doesn’t mean owning a home is out of reach.
- Alternative lenders exist with more flexible criteria
- Borrowise connects you to better options across Canada
- We work with your unique financial situation
- Banks use strict rules that don't work for everyone
Mortgage Declined? Let's Review Your Options.
Many applications are declined due to strict bank rules—but other lending options may still be available. Let us help you find the right solution.
- Takes less than 2 minutes
- No credit score impact
- 100% Free consultation
- Available 7 days a week
- 🇨🇦 Serving all over Ontario
- Licensed & Regulated
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Gaurav V Makhijaa
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