Alex Lavender, Your Broker

Whether you’re a first time home buyer or a seasoned real estate investor.
If you need some general advice or detailed loan strategies.
Alex Lavender is here to help you with all your mortgage needs.

Alex Lavender, Your Broker

Whether you’re a first time home buyer or a seasoned real estate investor.
If you need some general advice or detailed loan strategies.
Alex Lavender is here to help you with all your mortgage needs.

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.


  • 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.


  • 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.


  • Lock in a better rate
  • Take out equity
  • Reduce your monthly payments

Contact Alex Lavender to learn about your refinancing options.

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Mortgage Calculator







Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Meet Alex Lavender

Alex Lavender grew up in a small town of 700 people. He has first hand experience witnessing the positive power of what community can do for individuals. Alex brings that small-town sense of community to Halifax and Dartmouth. Alex not only takes pride in helping Nova Scotian’s get into their first homes, but also with refinancing, pre-approvals and mortgage applications.

Author of
“Mortgages For Millennials”

mortgages for millennials book

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

5 star review  They went above and beyond to get us our first home right when we needed it. We are more than grateful for our beautiful home. Alex was there throughout the... read more

thumb George Turek
March 7, 2022

5 star review  Alex and his team can be trusted for impeccable service tailored to your individual needs. With have current knowledge and access many lenders so they can help you evaluate which... read more

thumb Patti Leclerc
February 16, 2022

5 star review  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

thumb Andrew Belletti
October 16, 2021

Mortgage Types


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.


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.


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.

Fixed vs Variable Mortgage Rate Guide

Mortgages in Canada come in 2 main types, fixed rate and variable rate. At any point in this official mortgage rate type guide you can jump to a section: Table of Contents Variable Rate MortgageDo not confuse fixed vs “closed”Deciding Between Fixed vs Variable Mortgage RatesThe Fixed-Rate Mortgage DilemmaFixed Rate Example:How to Think About Interest…

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Official First Time Home Buyer’s Guide

Congratulations! You’re finally at a place in your life where buying your first home seems achievable. You’re scared but excited, intimidated but optimistic, nervous but determined. Buying your first home can be a huge rollercoaster of emotions with so many moving parts. Fear not! This first time home buyer’s guide will walk you through the…

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What Is The New Mortgage Stress Test?

On May 20, 2021 Canada’s department of finance announced new qualifying rates for all uninsured mortgages. The Office of the Superintendent of Financial Institutions (OSFI) announced that effective June 1, 2021 new minimum qualifying rates will be applied for all insured and uninsured mortgages. What does that mean for you? This means the new mortgage…

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Should you use a mortgage broker?

You are probably reading this article because you have a general idea of what a mortgage broker is, but are wondering why use one? What value does a mortgage broker provide? And how much does a mortgage broker cost? This article will answer all of these questions and show you the pros and cons of…

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How To Avoid The Mortgage Stress Test

In late 2017 the federal government introduced a mortgage stress test for Canadians that are applying or renewing a mortgage. Again on April 6, 2020 the stress test changed for insured mortgages. In this post we’re going to break down the top 5 ways to avoid mortgage stress test. Even if you have amazing credit…

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