Alternative Lenders & Self Employed Mortgages

Whether you need an alternative mortgage lender or are looking for self-employed mortgage options Alex Lavender is here for you!

Alex Lavender is one of Nova Scotia’s top mortgage brokers, and author of Canadian best selling book “Mortgages for Millennials”.
Get the mortgage help you need today!

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

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

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

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

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

thumb kim Caines
December 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

thumb effy peel
December 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

thumb Melissa Poitras
December 20, 2022

Your Alternative Mortgage Broker

Alex Lavender is an alternative mortgage broker. This saves you a lot of time (and headaches) by getting multiple mortgage options and 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 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