Bank Said No? We Say Yes.

Bank Declined Your Mortgage?
We Specialize in Getting You Approved.

Ontario licensed mortgage broker with access to 80+ lenders including private lenders, credit unions, and alternative lenders. Approvals in as fast as 48 hours.

Licensed under FSRA #10874 | Rates as of April 1, 2026 | Subject to OAC

$500MM+

Funded

500+

Families Helped

5.0

Google Rating

5 Days

Fast Funding

Why Banks Decline — And Why It Doesn't Matter

Banks have rigid rules. We have 80+ lenders with flexible solutions for every situation.

Low Credit Score

Score under 600? We work with lenders who focus on equity, not credit.

Self-Employed Income

Banks don't accept your stated income? Our alternative lenders do.

Debt-to-Income Ratio

Too much debt on paper? We structure deals to work around TDS/GDS limits.

Non-Traditional Property

Rural, mixed-use, or unique property? We have lenders for every property type.

Recent Life Events

Divorce, job loss, consumer proposal? Life happens — we find solutions.

Insufficient Documentation

Missing documents? Our lenders offer stated income and equity-based programs.

Is This You?

If any of these apply, we can likely help you get approved.

Your bank has declined your mortgage application

You have a low or damaged credit score

You're self-employed with non-traditional income

You need fast financing and can't wait for bank timelines

You have a consumer proposal or past bankruptcy

You own property with significant equity (25%+)

Your Path to Approval

Every decline reason has a solution. Here are the programs we use to get bank-declined borrowers approved.

Private 1st Mortgages

From 5.89%

Up to 75% LTV
Approved in 48 hours
No income verification needed

Private 2nd Mortgages

From 9.24%

Access trapped equity
Keep your existing 1st mortgage
Flexible terms

Self-Employed Programs

From 4.89%

Bank statement programs
Schedule B lenders
1–5 year terms

Bridge Financing

From 5.89%

Close in 7 days
Buy before you sell
Short-term solutions

3 Steps From Declined to Approved

Step 1

Free Consultation

Tell us your situation — we'll identify the right lender match in minutes.

Step 2

Simple Application

We handle the paperwork and submit to the right lenders. Often just ID, property info, and a credit check.

Step 3

Get Approved & Funded

Approvals in 24–48 hours. Funding in 5–10 business days. Done.

5-Star Rated

Google Reviews

500+ Families Served

Proudly helping Ontario homeowners

5-Day Funding

Fast approval process

Saminder Juneja

Mortgage Broker • FSRA #10874

Client Success Stories

Real results from real clients

"After 3 bank declines, Sami found me a private lender and I closed in 10 days. Saved my home purchase."

M. Patel

Frequently Asked Questions — Bank Declined Mortgages

Can I still get a mortgage if the bank declined me?

Yes. There are over 80 alternative lenders, credit unions, and private lenders in Ontario that specialize in non-bank mortgages. As a licensed mortgage broker, we access all of them.

What credit score do I need for a private mortgage?

Private lenders focus on your property's equity (LTV), not your credit score. Even with a score under 500, you can get approved if you have 25%+ equity.

How fast can I get approved after a bank decline?

Private mortgages can be approved in 24–48 hours and funded within 5–10 business days. Much faster than the 30–60 day bank process.

Will a bank decline hurt my credit score further?

The hard inquiry from the bank application has a small, temporary impact. Working with a mortgage broker is better — we do a single pull and shop multiple lenders.

Are private mortgage rates much higher than bank rates?

Private 1st mortgages start from 5.89% — often used as a short-term bridge back to bank financing within 1–2 years. Self-employed programs start from 4.89% with Schedule B lenders.

Can I refinance out of a private mortgage later?

Absolutely. Most clients use private mortgages for 6–24 months while rebuilding credit, then refinance to an A-lender at better rates. We help you plan the exit strategy.

Related Services

Private Mortgages Bridge Financing Self-Employed Mortgages Second Mortgages Senior Mortgage Options Mortgage Renewals Reverse Mortgages Calculators

Don't Let a Bank Decline Stop You

Join hundreds of Ontario homeowners who got approved after bank declines.

No credit check to start

5-minute application

Expert guidance throughout

Bank Declined? We Broker in These Cities

Declined by your bank? We place files with B-lenders, credit unions, MICs and private lenders across Ontario. Open your city for local programs and rates.

Not on the list? See every Ontario city we serve.

Hi! I'm TJ

Your Mortgage Assistant

👋 Hi! I'm TJ, your mortgage assistant from The Juneja Group.

I'm here to help — whether you've been declined by a bank, need bridge financing, or just want to explore what's possible.

What can I help you with today?

Bank Declined Your Mortgage?We Specialize in Getting You Approved.