Specialty lending
Credit challenges mortgages with Team Active Mortgage
A low score or a past bankruptcy doesn't automatically close the door. Alternative and private lenders weigh your whole story, and our brokers can help you find a workable option today and a plan to move back to mainstream lending later.
Who this is for
- People recovering from bankruptcy or a consumer proposal
- Borrowers with collections or late payments
- Anyone declined by their bank
How our brokers help
- Review your credit report with you and explain what lenders see
- Compare alternative and private lending options honestly, including costs
- Map out steps to improve your credit before your next renewal
Common questions
Can I get a mortgage after a consumer proposal?
Possibly, depending on how long ago it was discharged and how you've rebuilt credit since. A broker can review your situation.
Will an alternative lender cost more?
Usually rates and fees are higher. We'll show the full cost so you can decide, and plan an exit to better terms.
Will checking my options hurt my score?
Ask your broker how and when your credit will be pulled; one assessment can be shared across lenders we approach.
Ready to talk it through?
Book a no-obligation call or start a short pre-application.