Can I Qualify for a Mortgage in Toronto if my Spouse has Had Bad Credit?

Can I qualify for a Mortgage in Toronto if my spouse has bad credit?


Hello Canadalend team,


I noticed that many people have been asking interesting questions about their own financial situations and that very specific and helpful answers were given, I was hoping you could give me some help as well. I was wanting to know if there is any way that I could quality for a mortgage if my spouse has bad credit? I don’t know how the process works in Toronto or what my options are so some help and advice would be great.


Thank you!


By Canadalend
Hi there and Thank You for contacting the Candalend team. 

Yes of course, you can qualify for a mortgage if you spouse has bad credit, it may not be with a financial institution, but you will be approved for a mortgage through a private lender. If that is not a route you would like to take, you can take your spouse off the title and add them once they have rebuilt their credit.

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