We know not everyone comes to the thought of purchasing a home with a completely clean credit report. Perhaps you’ve had an outstanding debt, a debt arrangement, bankruptcy, issues with a previous partner or a divorce that has ended in debt?
A less than perfect credit history doesn’t always mean home ownership is out of reach.
Life happens. You might have experienced financial hardship, gone through a separation, entered into a debt agreement, been bankrupt or have defaults on your credit file. Whatever your story, you’re not alone and it doesn’t automatically mean you can’t buy a home!
We know it can feel overwhelming and it’s easy to assume no lender will say yes. That’s why we take the time to understand your situation, give you honest advice and explain your options. If now isn’t the right time, we’ll tell you and we’ll also help you put together a plan to get you there.
We’ve helped many clients with less-than-perfect credit achieve home ownership when the time was right. Every situation is different, so we’ll look at your circumstances as a whole, explore the lenders and products that may be suitable, and help you understand what’s possible.
If you’re wondering whether your credit history will affect your ability to borrow, don’t rule yourself out before we’ve had a chat. We’d love to hear your story, answer your questions, and help you work out the best path forward – whether that’s now or sometime in the future.