NPX, a product of MERIX Financial, is an alternative lender designed for self-employed individuals, investors, and those with non-traditional income sources. With no stress test requirements, their bank statement program, and flexible debt ratios, NPX caters to borrowers needing tailored mortgage solutions that fit their unique financial situations.

Home Trust, an alternative lender, focuses on providing flexible mortgage options with a straightforward approval process. Their bank statement program, rental program, and flexible debt ratios cater to borrowers needing tailored mortgage solutions that fit their unique financial situations. Ideal for individuals with bruised credit and self-employed borrowers, Home Trust offers a more accessible path to homeownership compared to traditional lenders.

Haventree Bank, an alternative lender, is dedicated to helping Canadians achieve homeownership through tailored mortgage programs. With features like a bank statement program and flexible debt ratios, Haventree Bank supports business owners and those with bruised credit in obtaining the financing they need.

Community Trust, an alternative lender, provides customized mortgage solutions for individuals with bruised credit and self-employed professionals with their bank statement program, flexible debt ratios, and rental program. Their acceptance of higher debt ratios makes them an excellent choice for clients seeking flexible financing options outside the traditional banking system.

Bridgewater Bank, an alternative lender headquartered in Calgary, specializes in flexible mortgage solutions tailored for self-employed individuals and investors. With a focus on accommodating higher debt ratios and using bank statements as proof of income, Bridgewater Bank is ideal for borrowers who don't fit traditional lending criteria.