Bad Credit Loans For Homeowners Up To 90% Of Home Value... Fast Cash In 48 Hours, No Income Verification!
mortgage canada

Mortgage Brokerage Lic. #10426

 Call: 226 224 2834

I would like to say thank-you so much for everything you have done for me and my family.

Joe I will be in contact with you in about 20 months to see if you can put this 2nd morgage into our 1st. Again thanks so much!

You were really great to our family!!! Talk to you again in a couple of years!!

Nicole and Terry Harris

I would definitely recommend you to friends and relatives.

The whole process was relatively painless and very quick.

From the time I received your first response until the time the closing papers were sent to the lawyers was less than 1 week.

I was very impressed with your efficiency and professionalism.

Ingrid Clarke-Pitt

I just wanted to thank-you again for all your help.

This is going to make a huge difference for us financially, just the interest alone we were paying out. We feel such a relief that this is all in one mortgage and at such a low rate.

I will definitely recommend your company to anyone looking for mortgage advice. Again thanks very much!

Debbie and Raymond Jack

It was fast easy and painless. The banks are a pain in the having to jump through hoops when you are more than qualified. The service was spectacular.

Bill & Kathy Hopper

We recently refined our house through Joe.

Because I recently became self-employed, I didn't meet the criteria for most mortgage companies (including the one I had been with for five years).

Joe found a product that was perfect for us and the service was excellent. Very satisfied!

Michael McFarlane

Thank you for your quick and easy solution to our financial problems. Things will now be alot easier to handle around here.

You have freed up about $500 a month which will make paying the bills a breeze.

Thank you again for your help, again.

Debbra Burns

Thank you very much. It was a pleasure doing business with you.

The service was great the process was very easy and we were very pleased with the outcome as we saved hundreds of dollars each month.

David & Kelly Gale

You were awesome to work with and I appreciate how knowledgeable you were and the speed in which everything was done. Thanks again for all your help.

Sherri McKenna

My Husband and I would like to say thank you, for helping us in our time of need, with your help we were able to consolidate all of our debt into payments that are more affordable and beneficial to us.

We can now save a little each month to build a nest egg so that we don't have to worry like we used to. It is a great feeling to have money in the bank and to enjoy life again. Thank you Joe.

Aileen and Anthony Waithe

Dave and I would like to thank you for all your help with our debts. I feel that we can get ahead now. You are very kind and give exceptional customer service as well you treated us with repect.

Tina and Dave Pilon

Just wanted to say it is I who should be thanking you for the Execellent service you provided me. Not only was your service very Professional, you made every step quite simple. I have already recommended you.

Mervyn Parris

It was a sincere pleasure doing business with you. Your courtesy, and understanding of our situation, put us at ease and the ease of delivery of documents and the loan was great.

As everyone is so busy, it was wonderful to be able to complete a lot of the information via Internet, fax or efax.. Your service was great and I would recommend you to anyone who needs help sorting out a financial situation.

I will recommend you to all my friends and thank you for your time, kindness and patience. It was our pleasure.

Wanda Hoffman

I found your web-site excellent.

Information was obtained easily, promptly and with professionalism.

My husband and I are very pleased with the service we received from you and thank you once again for your courteous and professional service.

We look forward to dealing with you again in the future.

Brenda and Rod

As the owner of a small business I went deeply into debt trying to get established. I was very desperate when I first found your website.

I seemed to be drowning in debt and it seemed no one could offer any solutions. After I contacted you, I very quickly had a loan which consolidated my previous debts and included a line of credit to help me build up my business.

Thanks to you, I can meet my monthly payments and have money left to develop my business. Thanks again for your help!

Susan O'Reilly

I found the service you offered to be EXCELLENT.

It allowed me to obtain financing conveniently, on-line in my own home. My questions and application were dealt with promptly, and you helped me to pick the best product for my circumstances.

You obtained more for me than I thought would be possible, and I have already passed your name and number along to several people.

Debra Purkiss

Thank you very much for you help!

It was great dealing with someone who understands the urgency of such cases as mine, and deals with his clients in a timely and caring manner - certainly a nice switch from the big bank treatment.

Peter Chaba

Thank you so much. I really appreciate the speedy service you and your staff have provided for me this time and in the past.

It is great to deal with people who know what they are doing!

Diane Blake

Thanks for the great advice and the awesome book.

I have managed to dive into it a little bit and look forward to reading the rest. Myself and Tom were very pleased with all your and your help.

I would recommend your office and you to anyone.

The Dykstra's

Hi Joe, This is a quick note to congratulate you on another job well done. It isn't very often in this day and age anyone goes out of their way to provide services the way you do fast, reliable, trust worthy As always I would recommend you to anyone
needing financial assistance.

Bill & Marie Berrill

Being self employed, we got turned down by all major lenders in our area for no income verification mortgage.

We were pleasantly surprised to get a call the very next day that we were pre-approved. In less than 3 days our application for a mortgage was fully approved and we were able to move on to the next things on our to-do list.

Thank you Joe for your fast service!

Zubek Family.



From: Joe Malek,

Joe Malek

Dear Friend,

Do you need FAST CASH for whatever reason even though you already have mortgages on your house, loans or credit card debts?

First of all... here I am talking about a loan which is secured via a Notice of Security Interest on your home and not a Mortgage Charge.

This is great, because you can get some extra cash this week without refinancing or obtaining yet another mortgage.

You can borrow $2,000, $5000, $10,000 or up to $20,000 simply by completing a short form which I will email you promptly right after you complete the online application down on this page.

You simply return the form to me with a void cheque and couple of ID's and I'll take care of the rest.

If this interest you then please read further, if this is not what you have been looking for then please click here to get back to main page to search for other products or simply complete my online application below and I will get back to you with a solution for your particular situation.

This small loan will provide YOU to achieve any of your goals including:

  • Pay down high interest/credit card debt
  • Make an RRSP contribution
  • Complete a home renovation
  • Take a vacation
  • Plan an upcoming wedding
  • Invest in your business
  • etc...!


Lender Simple, single page lender application form
application 48 hours from a competed application to cash in your bank account
Open Open for partial or full prepayment with no penalty at any time
interest rates Competative interest rates
no legal fees No up-front legal fees
appraisal No appraisal required by homeowner
Mortgage charge No registered mortgage charge on your house. Loan is secured via a Notice of Security Interest on title of the home
no income verification NO employment verification and NO income verification
self-employed Self-employed borrowers accepted
rental Rental and cottage properties accepted
loan Loan to value (LTV) ratio of up to 90% of property value
interest rate Interest rate 8.99% before fees (NO BROKER FEES)
lending fees Lending fees 7.95% plus a processing fee of $599
maximum term Maximum term is 3 years and amortization 12.5 years
credit score Minimum credit score required is only 595


What happens if I want to refinance my mortgage?

If you require to postpone loan security, just let us know!

How quickly can I receive proceeds?

Lender is focust on providing fast, flexible solutions and promise to fund loans within 48 hours of receiving an approved and completed documentation package.

Do I need to qualify with mortgage restrictions?

This is not a mortgage, so the mortgage restrictions do not apply for this quick loan. Lender will simply perform a credit inquiry and verify homeownership to determine eligibility for this loan program and that's all.

To get started please complete online application below because there are...

  • NO application fees!
  • NO initial credit checks!
  • NO multiple credit inquiries!
  • NO office visits!
  • NO time consuming appointments!
  • NO surprises!

This fast loan program enables homeowners to make financial improvements within their life. There is a simple one page application form.

This loan is flexible and homeowners can borrow between $2,000.00 and $20,000.00 within days.

Although, there are no obligations on how the loan proceeds may be used by homeowners, many use this fast cash loan to pay off their credit cards or mortgage arrears.

There are however some myths about who carries a credit card balance in Canada.
According to the Bank of Canada 47% of all homeowners have a credit card balance each month.

Younger Canadians, those people below the age of 35 tend to have a credit card balance 65% of the time. Older Canadians, those people over the age of 65 tend to have a credit balance 30% of the time.

Higher income Canadians, those people in the top 20% of earners tend to have a credit card balance 40% of the time. Lower income Canadians, those people in the bottom 20% of earners tend to have a credit card 55% of the time.

In short, it is very common for Canadians to carry a credit card balance irrespective if they own a home, age or income. Each of these homeowners can benefit from using this quick loan program to pay off their credit card balance including you.

Benefit #1:

Reducing your monthly interest and principal payments

The majority of credit cards charge interest rates from 19.99% to 29.99% or more per year or more.

If you have a credit card balance of $10,000.00 and you repay your credit card with this fast loan, you could be saving approximately $1,000.00 or $2,000.00 per year interest or more depending on your specific circumstances.

Those savings can go toward repaying down your debt instead of just the interest costs on your credit card.

Repaying your credit card debt with this fast loan also means that your monthly payments will go down.

Your monthly payments of principal and interest on this fast loan would be less then just making monthly interest on your credit card.

Benefit #2:

Improving your credit score

Lenders use your credit score to measure your willingness to repay your loans.

Your credit score is calculated by a credit bureau which looks at your account history, how much you owe and how much of your available credit you are using. It also looks at negative information such as late payments or minimum payments.

Your repayment history can be 35% of your overall credit score while utilization can be 30% of your overall credit score. Credit utilization refers to the ratio of credit you are using out of your full available credit limit.

According to TransUnion, one of Canada’s two credit reporting agencies, if you are utilizing the majority of your available credit, you can appear risky to lenders who may question your ability to pay back your loans. Conversely, low credit utilization is an indication that you are a responsible spender and can appropriately manage your debt.

TransUnion advises using less than 35% of your total available credit. So, if you have $1,000.00 in available credit, you shouldn’t carry more than $350 as a credit balance.

Repaying credit card debt with this fast cash loan means that you can improve your credit score by repaying current credit card balances and reducing the credit utilization, the two biggest factors in your credit score.

Benefit #3:

Reducing the refinancing risk at the maturity of your mortgage

At maturity of a mortgage the homeowner needs to renew mortgage with the same lender or a different lender. This can be risky because over time things change and lenders may decline a mortgage renewal application.

Using this fast cash loan to repay your credit card balances reduce refinancing risk by reducing the size of the debts outstanding and improving the credit score.

This is especially true as government continue to introduce measures to make it more difficult for homeowners to qualify for mortgages.



REMEMBER: It costs you NOTHING to get started and most of all there are NO obligations. If you are not satisfied with my offer then you can cancel at anytime!


Joe Malek


Joe Malek, Mortgage Agent, Lic. #M08004649

P.S. I personally service all of Ontario, Canada including:

Ajax, Algonquin Park, Amherstburg, Arnprior, Aurora, Bancroft, Barrie, Belleville, Bowmanville, Bracebridge, Brampton, Brantford, Brockville, Burlington, Cambridge, Chatham, Cobourg, Cochrane, Collingwood, Cornwall, Downsview, Dryden, Elliot Lake, Etobicoke, Flamborough, Flesherton, Fort Erie, Fort Frances, Gananoque, Georgetown, Gloucester, Gravenhurst, Grimsby, Guelph, Haliburton, Hamilton, Hawkesbury, Huntsville, Ingersoll, Jordan, Kanata, Kapuskasing, Kemptville, Kenora, Killarney, Kincardine, Kingston, Kirkland Lake, Kitchener, Leamington, London, Mactier, Marathon, Markham, Midland, Milton, Mississauga, Mount Hope, Muskoka, Napanee, Nepean, New Liskeard, Newmarket, Niagara Falls, Niagara-on-the-Lake, North Bay, North York, Oakville, Orangeville, Orillia, Oshawa, Ottawa, Owen Sound, Parry Sound, Pelee Island, Pembroke, Perth, Petawawa, Peterborough, Pickering, Picton, Port Carling, Port Elgin, Port Hope, Port Loring, Port Perry, Rexdale, Richmond Hill, Ridgetown, Sarnia, Sault Ste Marie, Scarborough, Schomberg, Simcoe, Sioux Lookout, Smiths Falls, St Catharines, St Thomas, Stratford, Sudbury, Sundridge, Thamesford, Thorold, Thunder Bay, Tillsonburg, Timmins, Toronto, Trenton, Vaughan, Wallaceburg, Wasaga Beach, Waterloo, Wawa, Welland, Whitby, Wiarton, Windsor, Woodstock


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321 Springbank Drive, London, Ontario, N6J 1G6 Canada
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