Who We Help
Low or bruised credit
Your credit score doesn't define your options. We specialize in finding solutions for clients who've faced financial setbacks.
Self-employed or non-traditional income
Freelancer, contractor, or business owner? Our mortgage partners know how to present your income in a way lenders understand.
High debt levels
A high debt ratio doesn't mean a dead end. Our mortgage partners identify lenders who look at the full picture, not just the numbers.
Recent job changes or unstable income history
New job or inconsistent income? Our mortgage partners work with lenders who value your potential, not just your history.
Previous bankruptcy or consumer proposal
Life happens. Our mortgage partners help clients rebuild and access financing, even after major financial events.
Mortgage declines from banks or lenders
Been turned down before? That's exactly why we exist — we find the path forward when traditional lenders say no.
Solutions Offered
Alternative Lending Options
Ideal for:
If traditional banks have declined your application, alternative lenders may offer more flexible approval criteria.
• Self-employed borrowers
• Credit challenges
• Unique income situations
• Credit challenges
• Unique income situations
Private Mortgages
Benefits:
Private lending can be a short-term solution when other options aren’t available. Our mortgage partners use private mortgages strategically, often as a stepping stone toward more traditional financing.
• Faster approvals
• Flexible requirements
• Short-term financing to help you transition
• Flexible requirements
• Short-term financing to help you transition
Credit Improvement Strategies
Get guidance on:
Our mortgage partners don’t just stop at approval, they help you build toward a stronger financial future.
• Improving your credit score
• Reducing debt
• Structuring your finances for future approvals
• Reducing debt
• Structuring your finances for future approvals
Debt Consolidation
Benefits:
If high-interest debt is holding you back, our mortgage partners can help consolidate it into a more manageable solution.
• Lower overall payments
• Simplified finances
• Improved cash flow
• Simplified finances
• Improved cash flow
Your Path to Financing
Step 1
Understand Your Situation
Our mortgage partners start with a detailed review of your financial profile and challenges.
Step 2
Identify Opportunities
Our mortgage partners explore all possible solutions across multiple lenders and programs.
Step 3
Build a Strategy
Our mortgage partners create a clear plan to get you approved—now or in the near future.
Step 4
Secure Financing
Our mortgage partners work with the right lender to finalize your mortgage solution.
Step 5
Plan Your Next Step
Our mortgage partners help position you for better rates and stronger approvals down the road.
Access to a Wide Network of Lenders
Beyond Traditional Lending
We Look Beyond the Numbers
Traditional lenders rely heavily on strict criteria. Our mortgage partners take a broader view, understanding your full financial picture, not just your credit score.
Access to Alternative Lenders
Our mortgage partners work with a wide network of lenders, including alternative and private lenders who
offer more flexible qualification criteria.
offer more flexible qualification criteria.
Customized Solutions
Every file is different. Our mortgage partners build a mortgage strategy tailored to your current situation while planning for your long-term financial goals.
A Clear Path Forward
Our goal isn’t just to get you approved, it’s to help you improve your position so you can qualify for better rates in the future.
Learn more about us
Let’s Find Your Solution
No matter your situation, there’s often a path forward, you just need the right strategy and the right team. Free consultation, Confidential review, No obligation.
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LendFix is an independent educational and information resource. We are not a licensed mortgage brokerage, lender, or financial advisor. Any information, calculators, or tools provided on this site are for general illustrative purposes only and do not constitute financial, legal, or professional advice. We may receive compensation from third-party mortgage brokers or lenders for consumer referrals. All mortgage inquiries are referred to our mortgage broker partners who are fully licensed. Always consult a licensed mortgage professional regarding your specific financial situation.