Start Your Bad Credit Mortgage
Alex Lavender works for you not the banks. From seasoned investors to first time home buyers.
Your mortgage broker will help your get a mortgage after bankruptcy or with a bad credit score. Ensuring that you can purchase your dream home, regardless of your credit score.
Minimum Requirements
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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 min / mobile homes
- Property value must be at least $200,000
Down Payment
- Purchases – minimum down payment of 20% required
- Refinances – up to 80% of the house value
Bad Credit Solutions
We have mortgage options for all sorts of situations.
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.
Read Our 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 Our 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 Your Broker:
Alex Lavender is and Accredited Mortgage Professional (AMP) the author of “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.
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.
Step 3 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.
Private Mortgages
Private mortgages are sometimes the best solution, depending on your situation.
Bankruptcy & Bad Credit FAQ
How do you get a mortgage with bad credit?
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.
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 with bad credit. Contact Alex Lavender to learn about your options.