Bankruptcy & Bad Credit Mortgages
Alex Lavender can work with any credit score (even bad ones). Let’s find the bad credit mortgage solution that works the best for your situation. Alex will provide you with a variety of mortgage options after bankruptcy or with a poor credit score.
Start Your Bad Credit Mortgage
Alex Lavender works for you, not the banks. From seasoned investors to first time home buyers. Using Alex as your broker will help you get a mortgage after bankruptcy or with a bad credit score. Helping you work toward purchasing your home, whatever your credit score.
Minimum Requirements:
All credit scores accepted
Min $200,000 house purchase – not available for mobile homes
20% down for purchases
HRM area
Free And Fast Mortgage Applications:
Current Mortgage Rates in Nova Scotia & Halifax
5 Year
Fixed
4.89%
3 Year
Fixed
4.79%
5 Year
Fixed Special
5.04%
5 Year
Variable
4.69%
5 Year
Variable Special
3.95%
*Rates are updated every week. Rates may vary, and be subject to additional qualify criteria to obtain top rates.
Mortgage Requirements If You Have Bad Credit:
CREDIT SCORE
All credit scores are accepted. If you have had a bankruptcy it must be discharged. Consumer proposals can stay in effect.
PROPERTY TYPES
Not available for mini or mobile homes. The property value must be at least $200,000.
DOWN PAYMENT
Your down payment on a house purchase must be at least 20%. For refinances you can get up to 80% of the house value.
Bad Credit Solutions
We have mortgage option for all sorts of financial situations. Our bankruptcy mortgages are perfect for people with a recent bankruptcy. When banks have too much red tape that’s where our alternative solutions work. To inquire about our mortgage solutions for bad credit scores fill out our form.
Private Mortgage
Getting a mortgage with bad credit can be difficult. Alex reviews every credit score (even bad ones).
Together we’ll make it easy for you to buy your dream home with our quick and easy mortgage application.
Mortgage Refinance
Getting a mortgage after bankruptcy is possible. We work with a variety of alternative lenders to find a loan that works for you! If you’ve found your dream home, then we’ll find a loan product that fits your needs.
Get StartedMeet The Team
Alex Lavender, Your Certified 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.
The Truth About getting a mortgage with <700 credit score
Bankruptcy & Bad Credit FAQ
How do you get a mortgage with bad credit?
Big banks often decline lower credit scores, but a mortgage broker can approach alternative and private lenders on your behalf. Expect a down payment of at least 20%, a higher interest rate and a lender fee. Your mortgage broker will hand pick the best options available for your situation.
Can you buy a house after bankruptcy?
Yes you can buy a house and get a mortgage after bankruptcy. If you have received a discharge from the bankruptcy and are working to re-establish your credit then it is absolutely possible.
Can I get a mortgage in Nova Scotia with bad credit?
Yes! You absolutely can get a mortgage in Halifax or Nova Scotia with bad credit. The big banks usually do not provide options for this, but there are lots of other lenders out there who can provide mortgages for you. Contact Alex Lavender to learn about your options.
How To Get A Bad Credit Mortgages:
STEP 1
Fill out the form on this page with your contact information and explain your situation. Your information like a credit score are kept confidential.
STEP 2
Alex Lavender will reach out to you and introduce himself. Then he’ll get to learn more about your situation and the property you want to purchase.
STEP 3
You’ll be able to compare and contrast a variety of loans. Allowing you to choose the best mortgage for your needs.
STEP 4
Choose the mortgage for you! Then you’ll be on your way to go house shopping or purchase the property you have lined up.
Our services
Other Mortgage Types
Committed to providing you with a wide range of services.
Private Mortgages
Private mortgages are sometimes the best solution, depending on your situation. They are temporary loans meant to bridge your situation to a traditional mortgage.
Learn More
How Our Mortgages Work
The consultation is free and Alex works for you, not the banks. Alternative and private mortgages usually carry lender or broker fees, which are disclosed before you commit. Giving you the ability to choose between multiple lenders and compare rates side by side.
As a mortgage specialist Alex helps thousands of Nova Scotians buy their first home. We’ll do the heavy lifting to let you choose the loan that is the best for you!
We efficiently use your information to pull real mortgage approvals from multiple lenders. As your mortgage specialist, Alex will get you rates from banks and lenders all in one simple application.
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