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.
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.
- Minimum credit score of 600
- Down payment starting at 5%
- Employment required
- House price must be at least $100,000
Contact a mortgage specialist today to learn more about getting the best rates. Or learn about our alternative and private mortgage options here.
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.
- 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.
“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 specialist 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.
I’ve been a client of Alex Lavender and Clinton Wilkins team for a few years now and if you’re looking to buy your first home or have any questions at... read more
I couldn't speak more highly about Alex Lavander. We received the best possible support from Alex. Not only did he arrange all my papers with incredible precision and punctuality, but... read more
We bought our first house in September 2020. As a first time home buyer as well as a newcomer, we had so many questions. Even during a pandemic, Alex was... read more
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.
On May 20, 2021 Canada’s department of finance announced new qualifying rates for al 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 uninsured mortgages. What does that mean for you? This means the new mortgage stress test…
You are probably reading this article because you have a general idea of what a mortgage broker is, but are wondering why use a mortgage broker? 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…
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…
In this blog post we’re going to answer a very common question; how long does it take to get approved for a mortgage in Canada? Alex Lavender has been one of the top rated mortgage broker for years. When it comes to getting a mortgage approval they can be done relatively fast, sometimes within 24hrs….
It is important to know the difference between an approval and a pre-approval for a mortgage. A pre-approval is based on estimates using theoretical figures for a property. An approval is for a specific property once an offer is made and is backed up with documentation to prove the information in the application. I am…