B2B Bank is a provider of mortgage products and services to financial advisors and mortgage brokers across Canada. With a focus on flexible mortgage solutions, including HELOCs and a bank statement program, B2B Bank supports first-time home buyers, business owners, and self-employed individuals, especially those with bruised credit or new to Canada, by offering competitive rates and adaptable lending options.

CWB Optimum Mortgage offers flexible alternative mortgage solutions for clients. With competitive rates and features like HELOCs, a bank statement program, and a rental program, CWB Optimum is designed to meet the needs of first-time home buyers, business owners, investors, self-employed individuals, and those with bruised credit.

Equitable Bank, one of Canada’s largest Schedule I banks, offers residential and commercial lending solutions, including flexible debt ratios and specialized programs like a rental program and HELOC. Equitable Bank is ideal for first-time home buyers, business owners, self-employed individuals, and those with bruised credit.

As a member-owned credit union for over 80 years, Meridian has tailored financial solutions, including HELOC and a rental program. They are ideal for first-time home buyers, individuals with bruised credit, and investors, all without requiring a stress test, making it a great option for those seeking flexible lending criteria.

FirstOntario Credit Union serves over 126,000 members with a range of financial products, including flexible mortgage solutions that cater to diverse needs. With offerings like HELOC and rental programs, FirstOntario is ideal for first-time home buyers, investors, and those with bruised credit who are looking for accessible financing options without the burden of a stress test.

DUCA Credit Union has proudly served over 93,000 members across Southern Ontario since 1954, offering personalized financial solutions, including HELOC and a rental program. With no stress test requirements and flexible debt ratios, DUCA is suited for first-time home buyers, individuals with bruised credit, and investors seeking adaptable financing options.

Desjardins, a leading credit union in Canada with over 100 years of experience, provides a range of financial services, including mortgages tailored for first-time home buyers and investors. With flexible lending solutions like HELOC and a rental program, Desjardins supports clients with diverse financial backgrounds and offers options for rural properties without a stress test.

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.