A lower rate
A better score puts you in a different risk band. Same loan, different price.
Real estate approvals · By application
Fix the file.
Get approved.
Get the keys.
90-day path
Credit + mortgage + agent
Bilingual
A guided 90-day path to homeownership. We prepare your credit and connect you with top mortgage brokers and agents — one team, from the file to the keys.
Not a DIY program. Limited files. Subject to acceptance.
Day 00–30Credit repositioning
Day 30–60Lender approval
Day 60–90Offer & keys
Day 90Closing table
The real cost
Bad credit doesn't just get you declined. It charges you monthly.
On a mortgage, a couple of percentage points of rate difference turns into tens of thousands of dollars over the life of the loan. Fixing the file before you apply is the highest-return move in the entire buying process.
01
02
More lenders
A clean file opens A-lenders. A damaged one leaves you with alternative lenders and their fees.
03
A stronger offer
A solid pre-approval isn't paperwork — it's what gets your offer accepted over someone else's.
From the credit file to the closing table.
Why this is different
One team. One file. No hand-offs.
Most buyers lose months bouncing between a credit company, a mortgage broker and a realtor who never speak to each other. At Capital Credit Canada it all happens under one roof.
01
Credit first, not last
Equifax and TransUnion disputes start immediately, while the financing is being prepared.
02
Trusted mortgage partners
Established partnerships across mortgage lending, auto finance and real estate.
03
Top agents
You're matched with an agent who understands your approval, your budget and your timeline.
04
Bilingual service
The whole process, the documents and the calls, in English or French.
05
A fixed timeline
An open file with an end date. Every week has a job attached to it.
06
One person who knows you
A dedicated file manager. You never explain your situation three times.
How it runs
Ninety days, week by week.
01Day 00–07
We read the whole file
- Full Equifax and TransUnion reports — not the score in your banking app.
- What's costing you points, and what a lender sees first.
- A written analysis with an estimated point range to gain.
02Day 07–30
We fix what can be fixed
- Disputes on inaccurate, incomplete or unverifiable items with both bureaus.
- A utilization plan: which cards to pay down, and to what balance.
- A credit-builder tool if your history is too thin to score well.
03Day 30–60
We put you in front of a lender
- Income, GDS/TDS ratios, down payment and closing costs reviewed in full.
- You get a real number: an amount, a rate, a monthly payment.
- If something's missing, we find out on day 45, not day 89.
04Day 60–90
We search, we write, we close
- Showings targeted to your real approval, not a wish list.
- Offer drafted, conditions managed, straight through to the notary or lawyer.
- Your file manager stays on it until the keys are in your hand.
Ninety days is the plan and the way we staff the file. Bureau timelines, lender decisions and market inventory aren't ours to control — which is why we don't promise a closing date.
Behind the scenes
Your file never sits on a desk
While you get on with your life, someone is working the file: disputes go out, bureau responses get tracked, and the lender has what it needs before it asks for it.
Who qualifies
We take few files. And we carry them all the way.
This is for you if
- You want to buy within 90 days, not "someday"
- You have or will have the down payment and closing costs
- Your income is steady and you can document it
- You're willing to let the credit work happen first
- You'll follow the plan, including the boring parts
What we put on your file
- Credit cleanup starts on day one, not after the lender
- A mortgage professional structuring the file from the start
- An agent who knows your real approval, not your wish list
- A dedicated file manager from first call to keys
- A written timeline with a job attached to every week
Accepted files sign an acknowledgment confirming the 90-day timeline, your financial readiness, exclusivity with our team during the program, and the guarantee conditions. It protects both sides.
Client reviews
What our buyers say
Application
90-Day Home Buying Application
About two minutes. Filling this out does not affect your credit score.
Application received. A specialist will contact you within one business day.
Rather talk to someone first?
Pick a time with our team. Monday to Saturday, 10am–3pm ET.
Questions
What people ask first
Do I need good credit to apply?
No. Most of our clients start somewhere between 520 and 660. That's the point — the credit work comes first, before the file ever reaches a lender.
Can you guarantee a bank will approve me?
Nobody can make a lender's decision for it, and be careful with anyone who claims otherwise. What we guarantee is the credit work, backed by the partial money-back guarantee set out in your agreement.
What does the credit repair side cost?
$599 for the Regular Credit Sweep or $899 for the Aggressive Credit Sweep, one-time, with monthly payment plans available. Full details are on the Credit Repair page.
Can I apply for credit while I'm in the program?
You can — your credit is your own. Just know that each application adds an inquiry to your report and affects your score, and it can void the money-back guarantee. Talk to us before you apply.
In English or French?
Both, from the first call to the notary's office. You pick at the start and we stick to it.