When the banks say no — we still have a yes.
B-lenders, alt-A, MICs, and private capital. The world beyond the Big-6, where flexibility lives. Exit to A-lender mapped on every file.
The Big-6 bank you’ve banked with for 15 years has narrow underwriting rules. A single missed credit-card payment, a year of self-employed income, an active CRA balance, or a recent consumer proposal can all trigger an automated decline. The branch employee can’t override the system — and rarely tells you that B-lenders, alt-A monolines, and private capital will fund your file at modest rate premiums. We use the full spectrum and plan your exit back to A-pricing the day we fund.
Why Canadians choose Mortgage Squad Advisors.
Three steps. No jargon. No pressure.
Honest intake
Tell us what actually happened. Tax debt, missed payments, complex income, recent life events — nothing surprises us. 15-minute conversation, no bureau pull to begin.
Match the tool
B-lender vs alt-A vs MIC vs private — based on your equity, income story, urgency, and exit plan. We disclose rate premium, term, fees, and timeline in writing before you commit.
Fund + plan the exit
Close the file. Then we monitor your credit recovery and refinance back to A-pricing as soon as your file qualifies — typically 12-24 months. Many clients save more on the exit than they paid in alt premium.
“My bank declined my refinance because of a single year of self-employed dividends. Mortgage Squad Advisors placed me with an alt-A lender at 75 bps higher — and refinanced me back to a prime A-lender 18 months later. Total cost was a rounding error vs. waiting two years to qualify with the bank.”