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Mortgage & Credit Rebuilding Support in Ontario

Mortgage & Credit Rebuilding Support in Toronto

Compare 9 Toronto mortgage and credit rebuilding providers for rent to own buyers. Learn what they do, what to check, and how we score them.

Most rent to own deals in Toronto fall apart at one point: the buyer cannot get a mortgage when the option period ends. The nine businesses listed here help with that gap. They review your credit file, build a plan to raise your score, and line you up with a lender before your purchase date arrives.

What the service involves

Expect a credit report review (Equifax and TransUnion), advice on paying down balances and fixing errors, and help with income documents. Some firms are mortgage brokers who can place you with B-lenders or private lenders. Others are credit counsellors or coaches who do not arrange financing.

What to look for

  • A clear statement of who they are: licensed mortgage agent or broker (FSRA in Ontario), or a coach.
  • Fees explained in writing before you pay anything.
  • A timeline tied to your option date, not vague promises.
  • No guaranteed score increases.

How our scoring helps

We rate each provider on the same criteria so you can compare them side by side. See the ranked guide to mortgage and credit support in Toronto, and read how we score on the methodology page.

Read the ranked guide: Best mortgage and credit rebuilding support in Toronto View all on map →

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All mortgage & credit rebuilding support in Toronto, ranked by score and relevance

We found 9 businesses offering mortgage & credit rebuilding support in Toronto; 6 met the criteria for the scored directory. The order weighs each business's overall score by how much of its reviewed work is mortgage & credit rebuilding support, so a lower-scored specialist can rank above a higher-scored generalist.

Cannect Home Financing Mortgage Broker
#1
89

Cannect Home Financing Mortgage Broker

4.8(341)✓ Google-verified

Recent reviewers mostly describe prompt replies and clear explanations from brokers such as Justin Turner, Amir Radovic, Phil Edwards and Mat Kerr. Several say the same broker handled renewals and new purchases for them over several years. Most recent reviews are five-star and talk about calm, organized handling of renewals and refinancing. One older review from a few months back describes paperwork delays and extra fees, and the reviewer later said the issue was resolved.

Mortgage & Credit Rebuilding Support
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CreditReboot Mortgages - Bad Credit Refinance & Home Equity Loan Toronto
#2
91

CreditReboot Mortgages - Bad Credit Refinance & Home Equity Loan Toronto

5.0(111)✓ Google-verified

Recent reviewers describe a steady, clear process. Several say the broker answers questions fast and explains each option before they choose. Many mention feeling less stressed after working through a hard file with bad credit or self-employed income. Older reviews add more texture. Reviewers name Parm as the main contact and praise his patience and honesty. Some mention help with home equity loans, cash-out refinances, debt consolidation, and quick closes when timing was tight.

Mortgage & Credit Rebuilding SupportBad Credit & Self-Employed Friendly
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Cannect Home Equity Loans
#3
86

Cannect Home Equity Loans

4.9(59)✓ Google-verified

Reviewers describe a patient, responsive team that walks clients through renewals, refinances and lender switches. Several named staff members are praised for clear explanations and steady follow-up. Recent reviews are all positive, with no current complaints raised.

Mortgage & Credit Rebuilding Support
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HomeEquity Bank (CHIP Reverse Mortgage)
#4
79

HomeEquity Bank (CHIP Reverse Mortgage)

4.3(583)✓ Google-verified

Reviewers say staff are patient, answer questions, and explain what to expect. Several name individual staff members. One recent reviewer waited an hour on hold with no callback, and another wanted clearer reasons for document requests.

Mortgage & Credit Rebuilding Support
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HomeSurety Mortgage
#5
54 low data

HomeSurety Mortgage

5.0(4)✓ Google-verified

Only four Google reviews exist, all five-star and all about five years old. Reviewers mention a helpful advisor named Sid and quick, clear answers. Evidence is limited, so treat this profile as a light snapshot.

Mortgage & Credit Rebuilding Support
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Get matched with mortgage & credit rebuilding support in Toronto

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Home Trust Company
#6
56

Home Trust Company

2.4(465)✓ Google-verified

Most recent reviews are very negative, with reviewers reporting long phone waits, unanswered calls, and trouble logging in online. Several describe funding delays on closing day and slow card processing. Only one recent review is positive. Reviewers say staff are hard to reach and sometimes hard to pin down. Some describe repeating the same details to different agents. One reviewer praised two staff members for timely, caring service on a mortgage file.

Mortgage & Credit Rebuilding SupportBad Credit & Self-Employed Friendly
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Quote and contact requests you submit through our own forms may be passed to one or more partner providers who can carry out the work, and we may receive a fee for those referrals. Rankings and scores are not influenced by referral fees; they follow our independent, published scoring method.

Common questions about mortgage & credit rebuilding support

How much does credit rebuilding support cost?
It varies by provider type. Mortgage brokers are usually paid by the lender, so you may pay little or nothing upfront, though private lender deals can carry broker fees of 1% to 2%. Credit coaches and counsellors often charge from a free consultation up to a few hundred dollars. Be cautious of large upfront fees.
How long does it take to rebuild credit enough for a mortgage?
Fixing reporting errors and lowering card balances can move a score within 3 to 6 months. Recovering from missed payments, collections, or a consumer proposal usually takes 12 to 24 months or more. A rent to own option period of 2 to 3 years often gives enough time if you start early.
How can I judge whether a provider is any good?
Check that a mortgage agent or broker is licensed with FSRA, ask for fees in writing, and ask which lenders they place clients with. Walk away from anyone who guarantees a score or asks for payment before explaining the plan.

Last updated 2026-10-30