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.

Bad Credit Mortgages

We aren’t here to judge, we’re here to help.

Whether you’ve suffered a bankruptcy, a consumer proposal, or just have missed payments, we have access to every alternative and private lender across Nova Scotia to help you get approved.

Get in touch today or see below for options that we offer.

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Bad Credit Mortgage Requirements

Credit Score

  • Not available on mini / mobile homes
  • Property value must be at least $200,000

Property Type

  • Not available on mini / mobile homes
  • Property value must be at least $200,000

Down Payment

  • Purchases – minimum down payment of 20% required
  • Refinances – up to 80% of the house value

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.

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First National Financial logo
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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

Mortgage Solutions

Committed to providing you with a wide range of services.

Bad Credit

We understand life happens and we are here to help. No matter what your credit score we have options available through alternative lending options.

Read about our bad credit mortgage options.

Traditional Mortgage

We have access to a wide array of lenders to find you the perfect mortgage. We provide you with not only the best rates but the best terms custom tailored for your situation.


Stated income options instead of taxable income verification. Learn about the possibilities you can have with one of our self-employed mortgages.


Build your own home with as little as 5% down. Learn about our construction and mortgage plus improvements.

Get Your Dream Home

It’s time to sit down and talk, allow me to get you into your new home as I have done with so many happy clients.