Mortgages After Bankruptcy
in Ontario

Mortgage options as soon as your bankruptcy is discharged.

  • No need to rebuild credit first
  • 15–20% down payment
  • Fast, personalized service
Frank Manzo, licensed Level 2 mortgage broker in Ontario
Franco (Frank) Manzo
Mortgage Broker (Level 2)
License M08007466
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Bankruptcy Mortgage Solutions

Traditional lenders usually want 5–10% down and two established credit trade lines for at least 24 months after a bankruptcy discharge. Private lenders can fast-track this: they may not require re-established credit and can lend as soon as your bankruptcy is discharged, with 15–20% down.

After Discharge

Private lenders may lend as soon as your bankruptcy is discharged.

15–20% Down

A larger down payment or equity stake secures the mortgage.

Rebuild and Refinance

Use a private mortgage now and move to traditional lending as your credit recovers.


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Frank Manzo, licensed Level 2 mortgage broker in Ontario

“Since 1989 I’ve helped those across Ontario with bad credit, unprovable income and those in power of sale, obtain first, second & third mortgages.”


“I specialize in hard to place private mortgages for residential, commercial, farm and land mortgages.”

Frank Manzo

Mortgage Broker

Frank Manzo, licensed Level 2 mortgage broker in Ontario
Franco (Frank) Manzo
Mortgage Broker (Level 2)
License M08007466
  • This field is for validation purposes and should be left unchanged.

By submitting your data you agree to be contacted

Privacy Policy