Ontario, Canada - have a higher downpayment and a stable income source.

No credit check is not required unless you need a higher amount then your current mortgage which you like to port . There is an administration fee which the bank might charge you.

Hello Roma, unfortunately every time an application is inputted into any lenders system for a mortgage the credit bureau must be pulled. I don`t believe any lender can proceed with any type of application without it. From the branch level to the Mortgage Broker industry the credit bureau is the first thing that must be checked. If you have any concerns about your current credit situation I would be more than happy to give you my honest opinion and some advice how to proceed if you like. There are lenders that understand credit can sometimes be a challenge and have programs in place for low credit scores. The programs usually are short term mortgages that allow you time to repair your bureau and once again be eligible for AAA bank rates. You may also be able to take some action now that will repair your bureau before the lenders get their hands on it. I would be happy to review those options with you Roma or any reader with no obligations, please do not hesitate to call. Abraham Niyazi - Mortgage Agent - Lic#M08010640 - Centum One FInancial Corp - Lic 10758. Cell: 416-993-4082 Toll Free: 1-866-728-3708 x 115 www.centum.ca/abraham_niyazi/ I deal with 25 Lenders/Banks and can do mortgages across Canada except Quebec.