Mortgage Qualification Research

A step-by-step guide for Canadians with damaged credit who want to qualify for a mortgage. Covers minimum credit score requirements (680+ for A-lenders, 600+ for B-lenders), discharge and completion waiting periods after bankruptcy and consumer proposals, how the federal mortgage stress test affects borrowers using B-lenders, practical credit rebuilding strategies, and key differences between Equifax and TransUnion reporting in Canada. Whether you're 6 months or 3 years out from a credit event, this guide gives you a clear timeline and the highest-impact actions to reach mortgage approval.