Last updated: May 2019
The credit score is used by most companies to decide if the applicant is a good credit risk or not. Equifax and Trans Union will calculate the numbers from the credit report and generate a number between 300 and 900.
https://www.richardsmortgagegroup.ca/credit-challengedLast updated: May 2019
Yes, you can get a mortgage. Your required down payment will depend on where you want to buy, how long since your bankruptcy (or OPD) discharge, and how much you have re-established your credit.
In Canada, getting a mortgage after a multiple bankruptcy can be very difficult, especially when a property was included. Any and all bankruptcy activity (re)appears on your credit file until 6 years have passed from the latest activity. So if your latest discharge was October 2018, then your credit report will show all your bankruptcies (even the first) until October 2022, and that is the challenge.