Alex Lavender,
Your Halifax Mortgage 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 your local mortgage broker in Halifax, here to help you with all your mortgage needs.
$0 Down Mortgage
Alex Lavender works for you, not the banks. Using a mortgage broker is 100% free for traditional mortgages. Ensuring that you get the lowest rate and best loan is our #1 priority.
Serving Halifax, Dartmouth, Bedford and anywhere in Nova Scotia. Fill out the form to start.
All credit scores accepted
Min $200,000 house purchase
Refinance up to 80% of house value
Not available on mini / mobile homes
Inquire Here
Mortgage Broker Products
Bad Credit
- All credit scores accepted
- $200k minimum property value
- Purchases, 20% down payment required
- Refinances, up to 80% of the house value
Pre-Approval
- Fast pre-approval letters
- Find out what you qualify for
- Discuss different options
- Guidance for improvement if your can’t qualify
Best Rates
- Minimum Credit Score of 600
- Down payment starting at 5%
- Employment required
- House price must be at least $200,000
Self-Employed
- Stated income verification when tax return income is not sufficient
- 20% minimum down payment
- All credit scores accepted
Purchase + Improvements
- Roll your renovation costs into your mortgage
- Up to $40,000 of renovations
- 120 days to complete the work
- Not available for appliances
Home Equity Lines Of Credit
- Instant access to the equity in your home
- Use a HELOC to pay off high interest loans
Alex Lavender
Meet Your Local Mortgage Broker
Alex Lavender is an Accredited Mortgage Professional (AMP) and the author of “Mortgages For Millennials” and provides mortgage broker services in Halifax.
He takes pride in helping Nova Scotians purchase their first homes, refinance their current homes, or obtain a loan when no other options are available.
Alex listens to your situation and uses the necessary information to provide you with a variety of options from different lenders, including the big banks.
What You SHould Know
Commonly Asked Questions
Why should you use a mortgage broker instead of a bank?
Mortgage brokers are extremely common among first time home buyers. A mortgage broker works with many lenders including major banks, small lenders and private lenders. Which means they have access to better rates, and more variety of mortgage types.
What exactly does a mortgage broker do?
Mortgage brokers act as a resourceful intermediary on behalf of individuals. Your broker will research and present to you a variety of different mortgages. From big banks to private lenders, which will let you compare the best rates that you can get.
What should you look for in a mortgage broker?
Here’s what you should look for in a mortgage broker. Know the average time to closing, third party fees and lender fees, and the cost or timeline to lock in your mortgage rate. If you are curious about a broker reach out and talk to them, see if you enjoy their service that’ll give you a good idea if you want to work with them.
Our services
Your Mortgage Options
Committed to providing you with a wide range of services.
Self-Employed
Stated income verification when tax return income is not sufficient. 20% minimum down payment, and all credit scores accepted.
Refinancing
Lock in a better rate. Take out equity. Reduce your monthly payments. Contact Alex to learn about the options available to you.
Private Lending
Private lenders are sometimes a good fit for your mortgage. Depending on your situation, Alex will guide you through this process.
Pre Approvals
Fast pre-approval letters, find out how much you qualify for. Know your numbers before house shopping.
Bad Credit Mortgages
All credit scores accepted. Minimum $200,000 property value. Mortgages solutions for everyone.
Renewals & Transfers
Need help renewing your mortgage? Or thinking of switching lenders?