Fast & Free Mortgage Application
We work for you not the banks.
Our mortgage broker services are 100% free for traditional mortgages.
Ensuring that you get the lowest rate and the best service is our #1 priority.
Serving Halifax, Dartmouth, Bedford and anywhere in Nova Scotia. Get in touch today or see below for what options we offer.
Inquire Here
Mortgage Options
Bad Credit Loans
- All credit scores accepted
- $100,000 minimum property value
- Purchases – 20% down payment required
- Refinances – up to 80% of the house value
Learn more about our bad credit mortgage options here.
Pre-Approval
- Fast pre-approval letters
- Find out what you qualify for
- Discuss different options
- Guidance for improvement if you can’t qualify
Learn more about our mortgage approval process works.
Top Rates
- Minimum credit score of 600
- Down payment starting at 5%
- Employment required
- House price must be at least $100,000
Contact Alex today to learn more about getting the best rates. Or learn about our alternative and private mortgage options here.
Self-Employed
- Stated income verification when tax return income is not sufficient
- 20% minimum down payment
- All credit scores accepted
Learn more about our self-employed mortgages.
Purchase + Improvements
- Roll your renovation costs into your loan
- Up to $40,000 of renovations
- 120 days to complete the work
- Not available for appliances
Read more about our mortgage plus improvements here.
Construction
- Self-built or contractor-built
- Use as little as 5% down
- Land can be used as a down payment
- Minimum 650 credit score
Contact Alex Lavender to learn more about the requirements for construction mortgages.
Mortgage Calculator
Author of
“Mortgages For Millennials”
Mortgages For Millennials is one of Canada’s most helpful books on mortgages. Sold on Amazon and Kindle this book breaks down EVERYTHING you’ve ever wanted to know about mortgages.
Alex has a unique ability to make buying homes and mortgages easy to understand.
Meet Alex Lavender:
Alex Lavender is an Accredited Mortgage Professional (AMP) has been providing services as a mortgage broker for years. Alex takes pride in helping Nova Scotians get into their first homes, refinance their current homes, or obtain a loan when no other options are available.
Alex’s Testimonials
Alex was incredibly helpful throughout the whole home buying process and extremely responsive when we were working with tight timelines. He provided fantastic advice upfront while we were planning, and... read more
Andrew BellettiOctober 16, 2021
Alex was very professional and responsive. Highly recommend!
Jordan FraserOctober 15, 2021
Look no further...Alex is hands down the best in the business! All the people that helped us out in this company were professional and we were very pleased with the... read more
Tony TraskOctober 13, 2021
Mortgage Types
Fixed
A fixed mortgage provides you the security of locking in an interest rate for the term of your loan. You will know exactly how much principal and interest you will be paying on the mortgage during the term.
Terms range from 6 months to 10 years, and most offer additional payments to pay down the principle.
Variable
A variable-rate mortgage allows you to take advantage of the current low interest rates. Most variable loans are below prime and can range from 1 – 5 years.
However the interest rate will fluctuate as the bank of Canada’s prime rate changes.
Open
An open mortgage allows you the flexibility to pay off a portion or the full principle amount at any time. Interest rates are usually higher for open mortgages and are tied to the bank’s prime rate.
There are no penalties for paying off the full outstanding amount with this type.
Mortgages Explained – Latest Posts
Alex Lavender helps Nova Scotians get high mortgages for your dream home. Whether you need a self employed mortgage or are looking to do construction with a mortgage plus improvements program, Alex can help. Or if you’re just looking for more information on mortgages checkout these blog posts for helpful tips.