Solutions · Alternative Lending
A credit event is something that happened, not who you are.
Whether you have been through a bankruptcy, consumer proposal, divorce, or an unexpected financial difficulty, thousands of Canadians rebuild and move forward every year. Our job is to find you the right financing now — and build a clear path back to conventional terms.
- Judgment-free process
- Documented exit strategy
- No credit check to start
Moving forward after a financial setback.
Life is unpredictable. Lenders who look at the full picture can see past a credit event to the person rebuilding on the other side.
Traditional banks rely heavily on credit scores and automated systems. When a credit event shows up on your file, the system says no — even if your current income and stability are strong. That is not a reflection of you. It is a limitation of their process.
Alternative and private lenders take a different approach. They consider your equity position, employment stability, and the steps you have already taken to rebuild. Combined with a clear exit strategy, these programs give you the financing you need while you work toward conventional qualification.
A credit event is not the end of the story.
Whether you have been through a bankruptcy, consumer proposal, divorce, or an unexpected financial difficulty, thousands of Canadians rebuild and move forward every year. Our job is to find you the right financing now and build a clear path back to conventional terms.
How it works
How we approach a post-event file.
Understand your current position
We review your credit history, current income, equity, and the specifics of your credit event to understand exactly where you stand and what options are available.
Find the right fit
We match you to lenders whose criteria align with your situation, negotiating the best rate and terms available for your profile. Every cost is disclosed upfront.
Map your recovery timeline
We create a documented exit strategy with clear milestones: credit score targets, payment history requirements, and a realistic timeline to transition to conventional lending.
What you get
What we bring to a post-event file.
Judgment-free process
We approach every file with empathy and professionalism. We have helped hundreds of borrowers through credit events and understand the human side of these situations.
Documented exit strategy
Every arrangement includes a written plan with specific milestones to move you toward conventional financing — typically within 12 to 24 months.
Full cost transparency
Alternative lending often carries higher rates and may include lender or broker fees. We explain every cost before you commit, so there are never surprises.
Timely solutions
When you need financing during a transition period, speed matters. Our lender relationships mean faster approvals and less uncertainty.
Credit rebuilding guidance
Beyond finding you a mortgage, we help you understand what steps will have the most impact on rebuilding your credit profile for future qualification.
Experienced advocacy
Alternative lending experience built since 1992 means we know how to present your file in the strongest possible light to the right lenders.
Credit events we help with.
Every situation is different, and each has its own lending landscape. Here are some of the most common scenarios we work with.
Bankruptcy
After discharge, many lenders will consider your application. The timeline depends on how recently you were discharged and whether it was a first-time or subsequent bankruptcy. Most borrowers can access conventional lending within two to three years of discharge.
Consumer proposal
A consumer proposal does not prevent you from getting a mortgage. Some lenders will consider your application while the proposal is still active, especially if your equity position is strong. Others require completion plus a period of re-established credit.
Missed payments or collections
Late payments and collections on your credit report affect your score, but alternative lenders look at the context. A period of consistent recent payment history can offset past difficulties, especially when combined with solid equity.
Divorce or separation
Relationship breakdown often brings financial complications — joint debts, legal costs, and temporary income disruption. We help recently separated individuals restructure their mortgage and get back on stable financial footing.
Your path back to conventional lending.
Alternative is a bridge, not a destination.
Alternative lending after a credit event is a bridge, not a destination. The goal is always to move you to conventional terms as quickly as your situation allows.
We set specific, measurable milestones from day one: a target credit score, a minimum period of clean payment history, and income documentation requirements. At each renewal, we reassess your file against conventional lending criteria.
Most clients who follow their exit strategy transition to conventional lending within 12 to 24 months. Some move faster, depending on the nature of the credit event and the strength of their recovery.
Common questions
Frequently asked.
Alternative lenders use more flexible qualification criteria than traditional banks. They may place greater weight on property equity and overall financial picture rather than relying solely on credit scores and standard income verification. Rates are typically slightly higher, but these solutions can bridge the gap while you work toward conventional financing.
Yes. While traditional banks have strict credit score requirements, alternative and private lenders take a broader view of your financial situation. We work with lenders who specialize in helping borrowers rebuild their credit profile while securing the financing they need.
An exit strategy is a documented plan to transition you from alternative financing to conventional lending, typically within 12 to 24 months. It includes specific milestones like credit rebuilding targets, income documentation requirements, and timelines. We review your progress at each renewal to ensure you are on track.
Other ways we help.
Alternative Lending
Alternative Lending Overview
The full picture of how we approach non-traditional lending — including how we map every exit strategy.
Learn moreAlternative Lending
Equity-Rich Homeowners
If you have built strong equity, your asset base can carry the conversation even when your credit is rebuilding.
Learn moreAlternative Lending
Self-Employed
Many credit-event situations also involve self-employment. Our programs handle both threads in one conversation.
Learn moreReady to explore your options?
Ready to move forward?
No obligation, no judgment, no credit check required to start the conversation. Let us show you what's possible.