Edmonton 780 498 6996 Calgary 403 618 0775 Vancouver 778 786 7225
www.TitusFinance.com
We Say Yes

Get a$75,000 loan from your home

for only $406.57 per month

Based on 5.5% rate, 25-year amortization

1st, 2nd, and 3rd mortgages for homeowners across Western Canada. When banks say no, we find a way.

Get a Free Quote

Quick approval — find out how much you qualify for.

500+ Albertans Helped
Licensed Mortgage Brokerage
All Credit Profiles Welcome
Real Stories

When banks said no,
we found a way

"

I was turned down by 3 banks. Titus had me approved in 48 hours. I didn't think it was possible — now I have the funds I needed and my family is back on track.

SM
Sarah M.
Edmonton, AB
"

After my divorce, my credit was shot. They found me a rate I could actually afford. No judgment, no runaround — just results. I only wish I'd called sooner.

JR
James R.
Calgary, AB
"

I didn't think a second mortgage was possible with my score. Titus made it happen — and walked me through every step. Professional, fast, and genuinely helpful.

PK
Priya K.
Vancouver, BC
Licensed by RECA
Serving Edmonton, Calgary & Vancouver
Free Consultation — No Obligation

See Your Approval Likelihood Before You Apply

No credit check. No obligation. Answer 5 questions and find out where you stand in under 30 seconds.

Your Approval Likelihood
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Want us to reach out with your options?

We'll call or email within a few hours — no pressure, no hard sell.

Got it! We'll be in touch shortly.

See Your Monthly Payment

Adjust the sliders to see what your payment could look like. Real numbers, instantly.

$150,000
$50K$2M
8.5%
4%15%
Monthly Payment
$1,145
per payment
Total Interest Paid $193,500
Total Cost of Mortgage $343,500
Non-prime rates typically range 6–12%. We work with every credit profile.

Common Questions About Non-Prime Mortgages

We work with all credit profiles, including bruised credit, consumer proposals, and bankruptcy discharges. No minimum score required. Our lender network focuses on the equity in your home — not just your credit score.
Rates vary by credit profile, typically 6–12% for non-prime borrowers. Use our calculator above to estimate your payments based on your loan amount and rate. We'll provide a clear breakdown before you commit to anything.
Most clients receive a pre-approval within 24–48 hours. Many deals close within 3–7 business days from application. We prioritize speed because when you need equity, you often need it now.
Government-issued ID, proof of income (pay stubs or Notice of Assessment), and property details. That's typically it. We'll guide you through every step — you won't be left wondering what's missing.
Yes — we serve Edmonton, Calgary, and Greater Vancouver. Our broker team operates across Western Canada with local lender relationships in all three markets.
A second mortgage lets you access your home equity without breaking your first mortgage. It sits behind your existing mortgage as a separate loan. It's an excellent option for debt consolidation, renovations, or major expenses — without the penalties that come with refinancing.
25+
Years in mortgage lending
40+
Lender partners
3
Major cities served
1000s
Homeowners approved

"We Say Yes"

Banks judge you by their rules. We look at your home equity and find the right lender. Bad credit, self-employed, debt consolidation — we specialize in approvals others can't get done.

Our Services

Bad Credit Mortgage & Home Equity Loan Solutions

Whether you need to access equity, consolidate debt, or finance a major purchase, we have the lending partners to make it happen.

1st

First Mortgages

Competitive rates from our network of 40+ lenders. New purchases, renewals, and refinances — even if you've been turned down elsewhere.

  • Purchase financing
  • Refinancing at better rates
  • Renewal negotiation
  • Self-employed programs
2nd

Second Mortgages

Unlock the equity in your home without breaking your existing mortgage. Ideal for debt consolidation, renovations, or major expenses.

  • Debt consolidation
  • Home renovations
  • Investment capital
  • Emergency funds
3rd

Third Mortgages

When you need additional financing beyond your first and second mortgage, we have specialized lenders ready to help.

  • Additional equity access
  • Short-term bridge financing
  • Unique lending situations
  • Fast approvals available

Simple. Fast. Approved.

From your first call to funded — we keep it straightforward.

01

Tell us what you need

Fill out our quick form or call one of our offices. We'll ask a few simple questions about your home and what you're looking for.

02

We find your best option

We match your situation to the right lender from our network of 40+ partners. We handle the paperwork and negotiations.

03

Get funded

Once approved, funds are deposited directly to your account. Many deals close within days, not weeks.

Bad Credit Mortgage in Edmonton, Calgary & Vancouver

Local offices, local expertise. Call your nearest location today.

Edmonton

780 498 6996

Sherwood Park headquarters. Serving the greater Edmonton area and Northern Alberta.

Calgary

403 618 0775

Covering Calgary, Southern Alberta, and the high-growth corridor between Edmonton and Calgary.

Vancouver

778 786 7225

Serving Greater Vancouver, the Fraser Valley, and across British Columbia.

2nd Mortgage & Home Equity Loan — Get Approved Today

Whether you're consolidating debt, renovating, or navigating a life change — your home is working harder than your bank account lets it. We specialize in 2nd and 3rd mortgages that banks won't touch.

Debt Consolidation

High-interest credit cards, car loans, and personal debts eating you alive? Roll them into your mortgage and save thousands — one payment instead of many.

Get a Free Quote

Home Renovations

The kitchen update, the basement suite, the backyard you've been putting off — leverage your equity to make it happen without racking up credit card interest.

Get a Free Quote

Life Changes

Divorce, job change, health emergency — life doesn't follow a schedule. A 2nd mortgage can be the bridge that keeps you financially stable when everything else feels uncertain.

Get a Free Quote

We specialize in 2nd and 3rd mortgages across Edmonton, Calgary, and Vancouver — serving homeowners banks have turned away.

Your home has value.
Let's unlock it.

Whether you need $25,000 or $250,000 — if you own your home, we have options. Talk to our team today and find out what you qualify for.

Visit www.TitusFinance.com