Approved 14 months after a consumer proposal — without waiting for full discharge

Most A-lenders want to see roughly two years of re-established credit after a consumer proposal is paid in full, with at least two active trade lines reporting clean. At 14 months out, the couple didn't yet meet that bar — but they were tired of renting while prices moved.

They'd been told by a bank to simply wait. That advice isn't wrong, but it isn't the only option.

We placed the file with a B-lender (alternative A) that accepts recently-completed proposals when there's re-established credit and at least 20% down. We documented the two secured cards reporting on time, verified income, and confirmed the proposal was paid and reporting correctly on both bureaus.

Critically, we built the deal as a bridge, not a destination: a short term at B pricing now, with a written exit plan to refinance into A-lender pricing once they cross the two-year mark with clean credit — saving them from being stuck at alternative rates long-term.

The couple bought 10 months sooner than the wait-and-see path. The B-lender rate and lender fee are real costs — but they're temporary by design, and they were offset by getting into the market before further price appreciation.