Turned Down by the Bank?
Explore Alternative Mortgage Solutions
If your credit, income, or situation doesn’t fit the bank’s checklist, don’t worry—you still have options. We offer alternative mortgages designed for real life.
Alternative Mortgage Options When the Bank Says No
Not everyone fits into a traditional lender’s box—and that’s okay. Whether you’re self-employed, have bruised credit, or just want more flexibility than the banks offer, we can help.
Our alternative mortgage solutions are designed for borrowers who need a different path. We work with dozens of credit unions, trust companies, and private lenders across Canada to secure mortgage options that focus on your equity, your goals, and your real financial picture—not just your credit score.
Our alternative mortgage services include:
- Equity-based mortgages
- Bad credit and low credit score mortgage options
- Stated income or low-doc approvals
- Interest-only and short-term mortgage options
- Private lender access with competitive terms
You don’t have to settle for another rejection. We’ll help you get the financing you need—and fast.
Why Traditional Lenders Say No—And Why We Say Yes
Why do customers love working with us?
Got Questions? We’ve Got You
FAQ
An alternative mortgage is a home loan offered by lenders outside the big banks, such as trust companies, credit unions, or private lenders. These lenders are more flexible with credit history, income verification, and approval criteria—perfect for clients who don’t qualify through traditional channels.
Yes. Many of our alternative lenders offer mortgage solutions for clients with bruised or low credit scores. Your approval will depend more on your equity and current ability to repay, rather than past issues on your credit report.
They can be slightly higher than traditional mortgage rates due to the increased risk for the lender—but not always. We shop across our network to get you the best rate available based on your situation.
Alternative lenders are commonly used by self-employed borrowers, new immigrants, individuals with poor credit, clients recently discharged from bankruptcy or consumer proposals, and anyone who needs a short-term lending solution.
Most alternative lenders require at least 20% down if you’re purchasing, or at least 20% equity if refinancing. In some private lending cases, higher equity may be required depending on your credit profile.
Absolutely. All lenders we work with are licensed, regulated, and held to industry standards in Canada. We only work with reputable institutions that prioritize responsible lending and transparent terms.
Yes. In many cases, clients use an alternative mortgage as a short-term solution—then refinance into a traditional mortgage once their credit, income, or situation improves.
Alternative mortgage approvals are typically much faster than with banks. Depending on your documentation, we can often get a conditional approval within 24 to 72 hours.
That’s exactly what we’re here for. A bank decline doesn’t mean you don’t have options—it just means you need a different kind of lender. We’ll help you understand why and show you what’s still possible.
Yes. In fact, many clients use alternative mortgages to consolidate high-interest debt and reduce monthly payments. This can be a great way to regain financial control and rebuild credit.
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