Alternative Mortgages

Services

When traditional won’t do, Maximum Mortgage maximizes your options.

If you’ve faced setbacks like credit challenges, income fluctuations, or recent financial hardship, Maximum Mortgage is here to unlock doors others might close.

We partner with a wide network of alternative and private lenders who understand that life doesn’t always fit the “traditional” mold. Whether you’re rebuilding credit, newly self-employed, or recovering from bankruptcy or consumer proposal, we specialize in unlocking non-traditional financing solutions that meet you where you are — and get you where you want to go. Because when others say no, we help you find your Maximum yes.

What Is an Alternative Mortgage?

An alternative mortgage (sometimes called a B-lender or private mortgage) is designed for borrowers who may not qualify through traditional banks. These mortgages often offer:

More flexible qualification criteria
Shorter terms with custom repayment options
A bridge between your current finances and future goals

They’re ideal for those who need a second chance — or a different approach.

Who Are Alternative Mortgages For?

Borrowers with bruised or rebuilding credit
Self-employed individuals or those with fluctuating income
Clients recovering from bankruptcy, consumer proposals, or debt settlement
Those with non-traditional documentation or recently changed employment
Newcomers to Canada who don’t yet meet traditional lending guidelines
Those in need of short-term mortgage solutions

How Maximum Mortgage Makes It Easier:

We assess your full financial picture — not just your credit score
Access to lenders who specialize in non-traditional mortgage files
Help you navigate paperwork, conditions, and lender timelines
Build a plan to get you back to a prime lending position
Offer clear, judgment-free advice focused on your long-term success

When traditional banks give you limitations, we give you possibilities — backed by experience, and strong lender relationships.

Note: Alternative lenders often have specific restrictions on where they’re willing to lend. Some may only finance properties in urban centres or certain regions. We’ll help you navigate those boundaries

Maximum Tip:

Your credit score doesn’t define your future.
Many clients qualify for home financing through alternative lenders — and some return to traditional lenders within 12 to 24 months.
A smart short-term solution can lead to a stronger long-term position — and we’ll guide you every step of the way.

Why Work with Maximum Mortgage?

Maximum access — from B lenders to private lenders
Maximum understanding of complex credit, self-employment, and income histories
Maximum transparency — so you understand every rate, term, and fee
Maximum support — from initial application to long-term planning