Alternative Lenders & Self Employed Mortgages

Whether you need an alternative mortgage lender or are looking for a self-employed mortgage. Alex Lavender is one of Nova Scotia’s top mortgage brokers and is here to help you purchase your first or next property!

Free 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 mortgage rates are available.

All credit scores accepted

Min $200,000 house purchase

Refinance up to 80% of house value

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Current Mortgage Rates

5 Year
Fixed

5.14%

3 Year
Fixed

4.99%

5 Year
Fixed Special

4.79%

5 Year
Variable

6.25%

5 Year
Variable Special

5.95%

*Rates are updated every week. Rates may vary, and be subject to additional qualify criteria to obtain top rates.

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 lenders

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.

Private Mortgages
mortgages in halifax and dartmouth

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.

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self employed mortgage

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.

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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.

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Alex Lavender

Meet Your Alternative Mortgage Broker

Alex Lavender is an alternative mortgage broker; Accredited Mortgage Professional (AMP) and the author of “Mortgages For Millennials”.

Working with Alex will save you a lot of time (and headaches) by getting multiple mortgage option and rates for you!

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Alternative Mortgage Types

Committed to providing you with a wide range of services.

New Resident Mortgages

Short term lenders for new residents. Temporary 1-3 year terms to get you started. Ideal if you have no credit history, like a new resident.

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Bridge Financing

Short term financing. Cover your existing debts with cash flow. You’ll have higher interest rates that are secured by collateral.

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Self Employed

As little as 5% down. Alternative lenders that will accept your self employed income. Minimum 650 credit score required.

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Bad Credit

All credit scores accepted. $200,000 minimum property value. Purchases require 20% down payment. Refinance up to 80% of the house value.

Bad Credit Mortgages

Mortgage Refinancing

No obligation refinance options. Find out what you can qualify for instantly. Discuss different mortgage refinance options with Alex.

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Best Rates

600+ credit score is required to get the best rates. Down payments starting at 5%. Employment is required & house price must be at least $200,000.

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Alex Lavender

How Alternative Mortgages Work:

Alex’s mortgage services are free for you to use. You’ll get approvals from multiple lenders and can compare rates side by side.

Get mortgage expertise. Alex works with a variety of lenders and can help you evaluate the pros and cons of every mortgage option for your self employed mortgage needs.

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What You SHould Know

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.

self employed mortgage
mortgages for millennials book

Download Your Free Copy Of Mortgages For Millennials

Best selling author, and mortgage broker; Alex Lavender wrote Mortgages For Millennials for 1 simple reason. To help Millennials understand everything about getting a mortgage in Canada. Now Alex is giving his book away for free!

It’s the quick and dirty way for you to learn everything there is – without the hassle of spending hours going down the wrong rabbit holes online.

Download Now
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