Bankruptcy & Bad Credit Mortgage

Alex Lavender can work with ANY credit score (even bad ones). Let’s find the bad credit mortgage solution that works best for you!

Your broker will provide you with a variety of mortgage options after bankruptcy or with a bad credit score.

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Start Your Bad Credit Mortgage

Alex Lavender works for you not the banks.

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

$200k minimum house value
HRM Area
Not Available for Mobile Homes
All Credit Scores
Purchases 20% down
Refinance up to 80% of house value

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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 $100,000

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.

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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.

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Read Our Testimonials

					  I’ve been a client of Alex Lavender and Clinton Wilkins team for a few years now and if you’re looking to buy your first home or have any questions at... read more all in regards to mortgages or refinancing, I highly recommend you reach out to them.

Alex always answers any questions I have, gives me great advice, and suggests options that best suits my situation. He always responds in a timely manner and most importantly, makes the whole process seamless for me. It can be very overwhelming, but he takes the stress off and I trust leaving everything in his capable hands.

He’s very personable, friendly and professional and I plan to work with him for years to come. Thank you Alex, and the entire team!				
Debra Boucher
4/17/2021 

					  I couldn't speak more highly about Alex Lavander. We received the best possible support from Alex. Not only did he arrange all my papers with incredible precision and punctuality, but... read more he also managed to bargain a lower interest rate with a lender beyond expectations.				
Novella Nicchitta
2/26/2021 

					  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 very responsive and answered our every question in details. At the end, he managed to get a lower interest rate then what we were initially told. We were very happy to work with him, and recommend to anyone.				
G. Izmırlıoglu
12/17/2020 

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.

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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 Mortgage Broker:

Alex Lavender is and Accredited Mortgage Professional (AMP) the author of “Mortgages For Millennials” and has been providing services as a mortgage specialist 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.