Talk to the financial institution that holds your mortgage first. As a mortgage lender for a major bank I can tell you this is one of the most common requests we receive. A number of Canadian banks have recently brought out new products to help people who may not have perfect credit due to many different circumstances. If your bank isn’t able or willing to do this then I would start shopping around. Unlike a loan most banks expect you to shop around for a mortgage and you may be surprised at what they are willing to do to get your business.