Edmonton 780 498 6996 Calgary 403 618 0775 Vancouver 778 786 7225
www.TitusFinance.com
★★★★★ 4.9/5
1,000+ homeowners approved
25+ years in business
We Say Yes

Bad Credit? Self-Employed? Doesn't Matter.

$446.94/month

Based on 5.25% rate, 25-year amortization on $75,000

Titus Financial helps homeowners in Alberta, BC, and Ontario get approved — even when banks say no. 2nd mortgages, 3rd mortgages, home equity loans. $75,000 from your home.

Find Out If You Qualify

Get your free estimate — no credit check, no obligation.

No credit check to start  ·  100% confidential  ·  Reply within 24 hrs

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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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.

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