Fast Mortgage Approvals
Alex Lavender works for you, not the banks.
We can provide alternative mortgage options for any credit score and we have a wide selection of alternative lending solutions to help.
As your mortgage broker Alex will provide a 100% free consultation to let you know what options are available.
Get in touch today or see below for what options we offer.
Get Started Here:
Alternative Mortgage Lenders
We have lenders for alternative and traditional mortgage options for all sorts of situations. So whether you’re looking for a mortgage approval or pre-approval we can help!
Private Mortgage
Private mortgage lenders have realized that conservative lending rules by big banks exclude many people who CAN pay back their loans. That’s where private mortgages fill the gap.
Typically shorter term 1 – 3 years. This is a great solution for someone needing fast approval and financing for your dream home.
Mortgage Refinance
A mortgage refinance can be an ideal option when you want to consolidate debt, take out equity, or obtain funds for renovations or investments. You can access up to 80% of the value of your home and use the funds however you wish.
You may be able to obtain a lower interest rate which could keep your mortgage payments the same or less than you are paying down even with the addition of new funds.
Self Employed Mortgages
We all know Halifax is a city of self starters and entrepreneurs. Big banks tend to have a lot of red tape when it comes to self employed mortgages. Our team can get you a mortgage that fits your entrepreneurial lifestyle.
Mortgage Pre-Approval
Getting a mortgage approval has never been easier! Start your application today to get a pre-approval now. Even as an entrepreneur if you’re self employed you can still get a mortgage approval.
Broker Testimonials
Alex was wonderful to deal with for our mortgage. He was responsive immediately and dealt with all our questions. It was a pleasure to deal with Alex and... read more
kim CainesDecember 20, 2022
I had a great experience getting my mortgage through Alex Lavender! Very professional, knowledgeable, snd people oriented. He was very informative, and efficient to make everything come together! I would... read more
effy peelDecember 20, 2022
It was a real pleasure working with Alex. He was always available and fast to answer all of our questions. When others were saying we could not get a mortgage,... read more
Melissa PoitrasDecember 20, 2022
How Alternative Mortgages 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:
Alex Lavender is and Accredited Mortgage Professional (AMP) the author of the best selling book “Mortgages For Millennials” and has been providing services as a mortgage broker 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.
Alternative Mortgage Types
Bad Credit
- All credit scores accepted
- $200,000 minimum property value
- Purchases – 20% down payment required
- Refinances – up to 80% of the house value
Learn more about our bad credit mortgages here.
Mortgage Refinancing
- No obligation refinance options
- Find out what you qualify for
- Discuss different mortgage refinance options
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 $200,000
Contact your mortgage broker today to learn more about getting the best rates.
New Resident Mortgages
- Short term lenders for new residents
- Temporary 1-3 year terms
- Ideal if you have no credit history
Ask us about the differences between regular and private mortgages.
Bridge Financing
- Short term financing
- Cover existing debts with cash flow
- Higher interest rates
- Secured by collateral
Self Employed
- Use as little as 5% down
- Alternative lenders that accept your income
- Minimum 650 credit score
Self-Employed Mortgage FAQ’s
What is an alternative mortgage?
An alternative mortgage is any mortgage that is not a conventional home loan. Alternative lenders have different criteria than the big banks. Such as credit unions, monoline lenders and B-lenders.
Why would you get a non-conventional mortgage?
People want to get non-conventional mortgages for all sorts of reasons. Perhaps you could not get approved by a big bank, or you want to take advantage of more favourable options that monoline lenders can provide.
What are the 4 different types of alternative mortgages?
The four most common types of alternative mortgages are b-Lender mortgage, bridge financing, reverse mortgages and private mortgages.