Halifax Mortgage Broker

Whether you’re a first time home buyer or a seasoned real estate investor.
If you’re looking for general advice, the best rates or detailed loan strategies.
Alex Lavender is one of the top rated mortgage brokers in Halifax & Dartmouth and the author of Mortgages for Millennials.

FREE & Fast Mortgage Application

We work for you not the banks.

Our 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.

Want to learn more about mortgages? Click here to download your free copy of Alex’s book Mortgages For Millennials.

Start Your Application:

Bad Credit

  • 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 mortgages here.

Pre-Approvals

  • 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.

Best Rates

  • 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 private mortgages here.

Why Use A Mortgage Broker?

Using a broker saves you a lot of time (and headaches) by getting mortgage approvals & rates for you!
You’ll be able to compare and contrast the different mortgages from a wide variety of lenders.

Get the best rate today! Start your application with Alex Lavender:

How Brokerages Work:

  • FREE to use, we work for you, not the banks. Giving you the ability to choose between multiple lenders and compare rates side by side.
  • Mortgage expertise, by working with a variety of lenders we have all the experience you need. We’ll do the heavy lifting to let you choose the loan that is the best for you!
  • Efficient, we use your information to pull real mortgage approvals from multiple lenders. You can get mortgage rates from all the banks and lenders all in one place.

Meet Alex Lavender:

Alex Lavender is and Accredited Mortgage Professional (AMP) the author of “Mortgages For Millennials” and has been providing services as a mortgage specialist for years.

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.

Testimonials

    5 star review  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

    thumb Debra Boucher
    4/17/2021

    5 star review  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

    thumb Novella Nicchitta
    2/26/2021

    5 star review  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

    thumb G. Izmırlıoglu
    12/17/2020

Types Of Mortgages

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.

Commonly Asked Questions

Your mortgage broker:

Meet Alex

Alex Lavender is one of Halifax and Dartmouth’s top mortgage brokers. Known for his kindness and flexibility he provides you with the tools to make the best decision and get the best rates!

Mortgage Calculator

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5%

1%

5%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Start Your Free Mortgage Application

We work for you not the banks.

Our 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 With Your Mortgage Broker

Pros And Cons

Mortgages are a major financial decision and it should not be taken lightly. While searching for the lowest rates may save you thousands of dollars, it’s important that you understand what you’re getting into. That’s why talking to a mortgage expert is a great place to start. Here are some of the pros and cons to help you understand the impact:

Pros

  • Easy to use, brokers are a one stop shop.
  • Free! We’re paid by lenders, not you.
  • Better rates, we have access to some of the lowest rates.
  • Expert advice, we live and breath mortgages and even wrote a book about it!
  • Independent and friendly advice. We want you to get the best rate possible for your situation.

Cons

  • Unfamiliar working with someone you just met.
  • No access to some lenders. While there are a variety of options we do not provide all the options out there.
  • More documents may be needed.