Alternative Solutions

Past credit bruises? Worried about approval?

We all hit financial hardships at one point or another. Our team helps clients with bruised credit or conditions seeking financing approval.

Trust an Award-Winning Team

Partner with the award-winning Claystone Mortgage Team, who have over 75 years of combined mortgage experience and have helped thousands of clients with thousands of mortgages, and as a result, saved them thousands of dollars. As a team of licensed professionals with a diverse range of past financial services experience, working in some of Canada’s major banks and credit unions from coast-to-coast, we are able to offer mortgage advice and recommendations based on a thorough knowledge of the mortgage industry and take the time to understand and address the financial goals and aspirations of our valued clients.

We operate with integrity and while we have amassed an array of nominations and awards, we consider your referral to be our highest form of recognition. As such, you can trust that you will receive the utmost care and attention, from our complimentary no-obligation mortgage consultation to your funding. We only offer products and services in the best interest of our clients and that are going to truly bring value and deliver the most savings possible. As a result, we have thousands of satisfied clients who have experienced the exceptional advantage of partnering with the Claystone Mortgage Team, Mortgage Architects.

Alternative lenders exist to help individuals with past credit bruises or issues that cannot meet traditional lending criteria, such as the strict requirements around income verification and credit history. These traditional lending sources are often unable to help those of us who have experienced unexpected life events that can cause us to go off-track financially.

Our team of professionals work with a range of lenders that are open to those with past financial issues and are looking to obtain mortgage financing, meaning that your income verification or past credit history do not disqualify you from owning a home or qualifying for refinancing.

We work in a judgement-free and confidential environment to find mortgage solutions for those with past credit issues such as bankruptcies, consumer proposals, past collections activity, or even recent missed payments. No matter the issue, we are here to help.

Once we help you obtain funding with the lowest rates and best benefits, we work with you to set a plan in motion to repair your financial situation and prepare yourself to be in a stronger position for your refinancing in the future with even better rates and the best benefits.

If you do not meet the lending criteria today, we can also work with you to develop a plan that will soon have you moving into your new home or obtaining the refinancing for the funds you need.