Who I Help
Bruised Credit
Score under 600, missed payments, collections — lenders who look at your full story, not just a number.
Self-Employed
Write-offs working against you at the bank? I use stated income and bank statement verification.
Consumer Proposal
Consumer Proposal
Discharged or in process — a path back to homeownership sooner than you think.
Power of Sale
Consumer Proposal
In arrears or facing power of sale — emergency private solutions that stop the clock.
Refinance and Debt Consolidation
Refinance and Debt Consolidation
Use your home's equity to reset your financial picture and cut your monthly payments.
Construction and Renovation
Refinance and Debt Consolidation
Financing for builds and major renos traditional lenders won't touch.
Your Lending Options
Alternative A Bank Lenders
Alternative A Bank Lenders
Alternative A Bank Lenders
Strong files with one complicating factor — recent credit hit, irregular income, or property type.
B Lenders
Alternative A Bank Lenders
Alternative A Bank Lenders
Trust companies built for real life — bruised credit, proposals, self-employed income.
Private Lending
Alternative A Bank Lenders
Private Lending
Short-term private mortgages for urgent situations that need time to rebuild before refinancing.
WIN STORY
Starting Credit Score
Starting Credit Score
Starting Credit Score
Bruised Credit due to one missed payment and overextension.
Situation
Starting Credit Score
Starting Credit Score
Forced to settle debts with banks refusing to use self-employed income.
Score After 12 Months
Starting Credit Score
Score After 12 Months
New Mortgage, new payment plan, credit started climbing back up within 90 days.
Monthly Savings
Score After 12 Months
Cash flow was instant and positively impact after 30 days from funding.
Big Win
Big Win
Every major bank said no. We found him a B lender solution. Twelve months later he refinanced into a near-prime product — saving $600 a month. Getting approved is step one. Getting you to where you actually want to be is the whole job.
How It Works
Free Consultation
Free Consultation
Free Consultation
Tell me your situation — credit, income, property, timeline. I give you a straight answer on what's realistically possible and on what timeline.
I Build Your Case
Free Consultation
Free Consultation
Alternative lending isn't a form submission — it's advocacy. I document your file and match it to the lender most likely to approve you.
Approval and Close
A Clear Path Forward
A Clear Path Forward
I manage the lender relationship and walk you through every step. You always know where your file stands.
A Clear Path Forward
A Clear Path Forward
A Clear Path Forward
Getting approved is step one. I build a plan to move you to a better rate in 12–24 months as your profile improves. This is a strategy, not a one-time transaction.
Run Your Numbers
Click The Image To Use Our Mortgage Calculators
Estimate your payments, affordability, or refinance savings.