Approval when banks decline
Bruised credit, past bankruptcy, or hard-to-prove income? Alternative lenders look at the full picture.
Alternative and B-lender mortgages help borrowers who don't fit strict bank rules — bruised credit, self-employed income, new to Canada, or high debt ratios. My Future Mortgage works with lenders like MCAN, Equitable Bank, Home Trust, and Community Trust, then builds a plan to graduate you back to prime rates.
Bruised credit, past bankruptcy, or hard-to-prove income? Alternative lenders look at the full picture.
Bank-statement and stated-income programs work with how business owners actually earn.
B-lender terms are usually 1–3 years. We use that time to repair your file and move you to a lower rate.
MCAN, WealthOne, Community Trust, First National Excalibur, Equitable, Home Trust and more.
A B-lender is an alternative mortgage lender for borrowers who don't meet big-bank criteria — due to credit, income type, or debt ratios. Rates are higher than prime, and a minimum 20% down payment or equity is typically required.
Borrowers with credit scores below roughly 650, past bankruptcy or consumer proposal, self-employed or commission income, newcomers to Canada, or those needing higher debt ratios than a bank allows.
A B-lender mortgage is usually a 1–3 year bridge. During the term we help repair credit and documentation, then refinance you into a lower prime ('A') rate at renewal — the stepping-stone strategy.