Atypical / difficult file
We look case by case, no judgment.
Damaged credit, an old bankruptcy, a recent denial, complex or in-the-making income: your file doesn't fit the standard mould. You know that, and hearing yet another "no" from another bank doesn't help. An AMF-licensed broker who specializes here knows the B-lenders (alternative) and short-term private options — they look at it case by case, without judgment, and tell you straight what's possible today.
Who it's for
- You had a bankruptcy or consumer proposal, discharged 2+ years ago.
- Your credit score is between 540 and 660 (alternative zone).
- You were recently refused by your bank and don't know what to do.
- You have low declared income but a significant down payment.
- You have a mixed file (employee + self-employed, multiple income sources).
- You need funds within 10-21 days to seize an opportunity (bridge financing).
What the Courteo network brokers look at
Beyond your credit score, the referred AMF broker builds a story that reassures the lender.
FAQ — atypical file
How long after a bankruptcy can I reapply for a mortgage?
2 years after discharge with a B-lender (alternative) if you have 25% down. Also 2 years with a traditional bank if you've rebuilt credit (score ≥ 660). With a private lender, possible sooner but on more expensive terms.
What minimum credit score do B-lenders accept?
B-lenders (alternative) often go down to 540, sometimes 500 with a sizable down payment (25-30%). Private lenders barely look at the score — they look at equity in the property.
What are the costs of an alternative lender vs a bank?
Rate 1-3% above bank rate, plus fees (often 1% of the loan). The AMF broker from the Courteo network prepares an exit plan to return to an A-lender in 24-36 months when your situation stabilizes.
Is my file "too messy" to go through?
We look without judgment. Tacit rule: if you have a down payment (>20%) and stable current income, almost everything is financeable. If you have neither, it's a no. The broker tells you straight.
Why not just go back to my bank in 6 months?
Banks remember refusals for 2-3 years. Reapplying often results in another refusal. An AMF broker redirects your file to the right programs the first time. And if it really is too soon, they tell you straight: "come back in 12 months".
We listen, no judgment.
2 minutes to describe your situation. A coordinator calls you back the same business day to clarify what's feasible — or not — without spin.