- Mortgage Agent Level 1
- Mortgage Intelligence – Ontario Brokerage Licence #10428
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Having bad credit doesn’t mean your dream of homeownership is over. At Haris Paracha Mortgage Agent Level 1, we understand that life happens — whether it’s missed payments, unexpected debt, or financial challenges. Our team specializes in helping Ontarians with less-than-perfect credit secure the right mortgage. With access to over 50 lenders, including banks, credit unions, and private lenders, we’ll work with you to find solutions tailored to your needs.
When traditional banks say no, we step in with options designed for your situation. We don’t believe that poor credit should stop you from owning a home or refinancing your property. Our mission is to guide you through the mortgage process, explain your options clearly, and help you rebuild your financial future.
With Haris Paracha Mortgage Agent Level 1, you get:
Local Expertise – Ontario-focused knowledge of lenders and housing market trends.
Credit in Canada is measured on a scale from 300 to 900. Scores below 650 are generally considered bad or poor credit. Here’s how credit health is typically categorized:
| Credit Score Range | Credit Rating |
|---|---|
| 750–900 | Excellent |
| 720–749 | Good |
| 650–719 | Fair |
| 600–649 | Poor |
| 300–599 | Bad |
While banks prefer higher scores, many lenders still approve applications with scores below 650, especially with a stable income and sufficient down payment. At Haris Paracha Mortgage Agent Level 1, we help clients every day who fall within this range, providing access to private lenders, bad credit mortgage products, and second-chance financing.
Trying to secure a mortgage with bad credit on your own can be frustrating and often leads to rejection. By working with Haris Paracha Mortgage Agent Level 1, you benefit from:
Better Long-Term Planning – Beyond getting you approved today, we provide strategies to rebuild your credit and save on interest later.
Poor credit can result from many life events, including:
Whatever the cause, our goal is not to judge but to support. Haris Paracha Mortgage Agent Level 1 works with you to overcome these challenges and find a pathway to homeownership or refinancing.
A low credit score doesn’t always prevent mortgage approval. The right mortgage solution depends on your overall financial situation.
Bad credit can impact your mortgage approval and terms in several ways:
Lenders may charge more to offset the perceived risk.
Some lenders require a down payment of 20–25% for bad credit mortgages.
Fewer banks will approve applications, making alternative and private lenders more important.
Some mortgages may require default insurance or stricter repayment terms.
Even with these challenges, Haris Paracha Mortgage Agent Level 1 helps you find affordable solutions that fit your budget and goals.
Even with these challenges, Haris Paracha Mortgage Agent Level 1 helps you find affordable solutions that fit your budget and goals.
Ideal for clients who don’t qualify with traditional banks. B lenders are more flexible with credit requirements and provide competitive alternatives.
Funded by private investors or mortgage companies, these loans offer short-term solutions when banks decline your application.
A great option if you’re not ready for a mortgage yet. You can rent your home with the option to purchase later while building credit in the meantime.
Designed for clients who have faced financial setbacks but are working to rebuild their credit profile.
You deserve a chance to move forward, even if your past financial challenges have affected your credit. At Haris Paracha Mortgage Agent Level 1, we don’t just stop at getting you approved — we also provide education and strategies to rebuild your credit, reduce debt, and improve your financial outlook.
Whether you’re buying your first home, refinancing, or consolidating debt, we’ll help you secure the best bad credit mortgage available in Ontario.
Contact Haris Paracha Mortgage Agent Level 1 today for a free, no-obligation consultation and take the first step towards financial recovery and homeownership.
Yes. While banks may decline your application, we work with B lenders and private lenders who are more flexible.
Most banks require at least 650, but we have access to lenders who accept lower scores with larger down payments.
Yes. Many of our clients have secured mortgages after completing bankruptcy or consumer proposals.
Not forever. While initial rates may be higher, we’ll help you rebuild your credit to qualify for better rates in the future.
With the right down payment and lender match, you may qualify immediately. We’ll assess your situation and guide you on the best path forward.
Mortgage Agent Level 1
Ontario Brokerage Licence: #10428
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Haris Paracha is a Mortgage Agent Level 1 with Mortgage Intelligence, helping clients across Ontario find personalized mortgage solutions with access to 50+ trusted lenders.
Mortgage Agent Level 1
Ontario Brokerage Licence #10428
Haris Paracha is a Mortgage Agent Level 1 licensed in Ontario and authorized to deal and trade in mortgages on behalf of Mortgage Intelligence, Brokerage Licence #10428. The information provided on this website is for general information purposes only and does not constitute financial or legal advice. Terms, conditions and lending criteria apply.