Question 1

How do I get a mortgage with bad credit in Canada?

Accepted Answer

Document the income and the down payment, pull the bureau, and match the file to A, B, or private. More equity or a larger down payment opens more desks than a motivational speech. Artisan will name the lane before you pay for an appraisal.

Question 2

Can I get a mortgage after a consumer proposal in Alberta?

Accepted Answer

Sometimes, especially with alternative lenders once the proposal is in place or discharged and the rest of the file is strong. Prime pricing usually waits until credit is rebuilt. We will not quote a waiting period that every lender uses, because they do not.

Question 3

Is a private mortgage the same as a bad-credit mortgage?

Accepted Answer

No. Private is one tool for damaged credit. Many bruised files still fit a B-lender. Private should have a written exit back to cheaper money.