Start Your Bad Credit Mortgage
We can work with ANY credit score (even bad ones). Let’s find the bad credit mortgage that works for you.
Your mortgage broker will help you get a mortgage after bankruptcy or with a bad credit score.
Get in touch today by filling out this form.
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Bad Credit Mortgage Requirements
Credit Score
- All credit scores accepted
- Bankruptcies must be discharged
- Consumer proposals can stay in effect
Property Type
- Not available on mini / mobile homes
- Property value must be at least $100,000
Down Payment
- Purchases - minimum down payment of 20% required
- Refinances - up to 80% of the house value
Bad Credit Solutions
Bad Credit Mortgages
Getting a mortgage with bad credit can be difficult. Luckily we provide mortgages for people with bad credit scores. We accept ANY credit score (even bad ones).
Together we’ll make it easy for you to get a bad credit mortgage application.
Bankruptcy Mortgages
Getting a mortgage after bankruptcy has never been easier. 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.
Meet Our Team
Our bankruptcy mortgages are perfect for people with bad credit or 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 by clicking the button below.
Alex Lavender is the author of “Mortgages For Millennials” and a mortgage specialist. He has been helping Nova Scotians get their dream home for years. He takes pride in overcoming traditional loan barriers to purchase your property.
How Our Bad Credit Mortgages Work
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 to introduce himself and learn more about you.
Best Rates
Alex Lavender will present you with a variety of products. Allowing you to choose the best loan for your needs.
Other Mortgage Types
B Lender Mortgage
B lender mortgages are clear solutions for those that do not qualify from traditional banks. B mortgages are typically on shorter terms 1-3 years, but have a higher interest rate.
High Risk Mortgages
A high risk mortgage occurs when an individual falls out of the normal scope of risk that banks are used to. This does not mean that you are high risk, it just means that alternative lenders should be considered.
Read Our Testimonials
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
G. Izmırlıoglu12/17/2020
We used Alex for our mortgage this summer. I cannot say enough positive things about Alex and our experience when dealing with him. Alex is very knowledgeable and professional and... read more
Emilie Brennan12/14/2020
As a first home buyer I was completely lost. I had many questions and I needed a person that I could trust. Alex explained things very clearly. I appreciated how... read more
Ilaria Pivi12/12/2020
Bankruptcy & Bad Credit Mortgage FAQ
Although big banks will turn you away, getting a mortgage with bad credit is actually pretty easy. By using a mortgage broker you’ll have access to hundreds of different types of mortgages. Alternative mortgages, private mortgages, bad credit mortgages, and more. Your mortgage broker will hand pick the best options available for your situation.
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.
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 with bad credit. Contact Alex Lavender to learn about your options.
You can find alternative mortgages by contacting Alex Lavender – Mortgage Broker. A mortgage broker has connections to a variety of different financing lenders. Your mortgage broker will listen to your needs, then provide you with options, hassle free.
For more information on bankruptcy please use this government resource.