TurnedAway.ca is an alternative mortgage broker serving homeowners across Ontario and most of Canada. We arrange home equity loans, second mortgages, and private mortgages for people who have been declined by a bank, with approval based on the equity in your home rather than your credit score or income, and every deal capped at 80 percent of your home's value.
Approved on Equity, Not Credit
Your home's equity is what matters, not your credit score, your income, or your past. That is how we get yes where the bank gave no.
We Never Over-Lend on Your Home
We cap every deal at 80 percent of your home's value, so you always keep a safe cushion of equity. That limit is there to protect you, not to hit a sales target.
Honest Answers, No Pressure
We level with you about your real options, even when the answer is not what you hoped. No hype, no hard sell, no surprises.
Find Your Solution
Whatever the bank turned you away for, there is a path through your equity.
Home Equity Loans
Borrow against the equity you have already built.
Home Equity Line of Credit
Draw on your home's equity whenever you need it.
Second Mortgages
Access cash behind your existing first mortgage.
Debt Consolidation
Roll high-interest debt into one manageable payment.
Stop Foreclosure
Halt a power of sale before it is too late.
Bad Credit Mortgages
Approval based on equity, not your credit score.
Property Tax Arrears
Clear overdue property taxes before they escalate.
CRA Debts and Liens
Pay off tax debt secured against your home.
Mortgage Refinance
Reset your mortgage and free up monthly cash flow.
An Alternative Mortgage Broker for Homeowners the Banks Declined
When a bank turns you down, it is not the end of the road. We look at your whole picture, not just a credit score, and place your file with a lender who understands self-employment, bruised credit, or a temporary setback.
Our network spans B lenders, trust companies, credit unions, and private lenders across Ontario and most of Canada. That breadth is the point. It means we can match homeowners carrying high-interest debt, CRA arrears, or income that does not fit a bank's box with a lender who will say yes.
Whether you need a home equity loan, a second mortgage, a HELOC, help to stop a foreclosure, or a private mortgage, we arrange it with clear written terms and a firm cap of 80 percent of your home value. You can read how home equity borrowing works at the Financial Consumer Agency of Canada.
How It Works
Apply in minutes
Tell us about your home and your situation with one simple form or a quick phone call.
We shop your file
We have access to one of Canada's largest lending networks, including banks, trust companies, credit unions, mortgage investment corporations, and private lenders.
Get approved and funded
You get clear written terms, a full Cost of Borrowing Disclosure, and the funds to move forward.
We had fallen behind on our mortgage after an extended medical leave and were facing a power of sale. Our bank declined our request for additional help, and we were running out of time. TurnedAway found a solution that allowed us to catch up, stop the proceedings, and keep our home. For the first time in months, we felt like we could move forward.
Sarah M., Hamilton
Curious What Your Equity Could Unlock?
Use our quick calculator to see what you could qualify for, with no obligation.
Calculate NowWhat Our Clients Say
Real homeowners we helped when the bank would not.
“We were making payments on multiple credit cards and loans every month but never seemed to get ahead. TurnedAway helped us consolidate everything into one manageable payment and finally regain control.”
Mark T., London
“A CRA debt had turned into liens and collection pressure, and we didn't know where to turn. TurnedAway helped us use our home equity to resolve the issue and move on with our lives.”
Jennifer R., Sudbury
“Our bank refused to renew our mortgage because of credit issues after a difficult divorce. TurnedAway found an alternative solution that let us stay in our home and rebuild.”
David P., Kingston
Frequently Asked Questions
What is an alternative mortgage broker?
An alternative mortgage broker arranges financing through lenders outside the big banks, including B lenders, trust companies, credit unions, mortgage investment corporations, and private lenders. That wider network is what makes it possible to approve homeowners the banks decline, often based on home equity rather than credit score.
Can I still get a mortgage if my bank said no?
Yes, in many cases. Banks follow rigid rules, so one missed payment, a credit dip, or self-employed income can trigger a decline even when you have real equity. The lenders we work with weigh your home's equity far more heavily, so a bank's no is often not the final answer.
What situations does TurnedAway.ca help with?
We help homeowners facing bad credit, mortgage arrears, a power of sale, property tax arrears, CRA debt, collections, and high-interest debt they want to consolidate. If you own a home with equity and the bank turned you away, there is usually an option worth exploring.
How much can I borrow against my home?
Borrowing is based on your home's value, and we cap every deal at 80 percent of that value. The equity you have built within that limit is what determines how much you can access, and we explain every cost in writing before you commit.
Turned Down by the Bank? Let's Find Your Yes.
If you own your home and have built up equity, you have more options than the bank let on. Let us show you what you qualify for.
Apply Nowor call 1-855-668-3074