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Get a Mortgage After a Consumer Proposal A consumer proposal does not have to end your homeownership dreams. Whether you...
Takes 30 seconds. No credit check required.
A consumer proposal does not have to end your homeownership dreams. Whether you completed a proposal years ago and are ready to buy, or you are currently in an active proposal and need mortgage solutions, Mortgagefy specializes in helping Canadians rebuild after financial hardship. Our network of B-lenders and private lenders understands that life happens — and a proposal is a step forward, not a permanent barrier.
A consumer proposal mortgage is a mortgage obtained by someone who has filed or completed a consumer proposal under the Bankruptcy and Insolvency Act. Traditional banks typically require at least two years post-discharge and a rebuilt credit score of 680 or higher before approving a mortgage with default insurance. However, B-lenders and private lenders have more flexible criteria and can often approve mortgages during or shortly after a proposal, using your equity and current financial stability as the primary qualifying factors.
Homeowners with an active consumer proposal looking to refinance or access equity. Buyers who have completed a proposal and want to purchase a home. Clients who have been discharged for less than two years and cannot yet qualify with A-lenders. Borrowers who have rebuilt some credit but don’t yet meet the 680 score threshold. Homeowners facing power of sale who filed a proposal to manage other debts.
Mortgage options available during and after a consumer proposal. B-lender and private lender solutions when banks say no. Competitive rates based on your equity position and current financial stability. A clear path to rebuilding your credit and transitioning to prime lending. Expert guidance from a team that works with post-insolvency clients every day.
We review your consumer proposal details, current credit profile, income, and property equity. Based on your unique situation, we match you with the best lender from our 100+ partner network. Many of our B-lender and private lending partners specialize in post-insolvency mortgages and can approve files that traditional banks cannot. We guide you through every step and help you build a plan to transition to better rates over time.
Tell us about your situation. We review your needs, goals, and financial picture — quick and confidential.
We compare rates and terms from our network of banks, credit unions, B-lenders, and private lenders to find your best match.
Once you choose your best option, we handle the paperwork and guide you through to funding — fast and stress-free.
Fully licensed and regulated in Ontario. Your interests are legally protected.
Clear terms, honest guidance, and a dedicated agent working to get you the best deal.
Pre-approvals in 24 hours. Private lender funding in as little as 48 hours when time is critical.
We shop your application across banks, credit unions, B-lenders, and private lenders Canada-wide.
Get a personalized rate quote in under 60 seconds. No hard credit check required.
Fully licensed, operating under 8Twelve Mortgage Corporation (Lic#13072).
Access to Canada's largest network of banks, credit unions, B-lenders, and private lenders.
Get a response within 2 business hours. Many approvals within 24-48 hours.
Expert guidance with zero pressure. We work for you, not the banks.
A licensed mortgage agent will personally review your situation and call you back within 2 hours. No pressure, just expert guidance.
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Mortgage services provided by 8Twelve Mortgage Corporation, licensed mortgage brokerage (Lic#13072).
Have questions about your mortgage options? Book a quick call with a licensed agent — no pressure, no obligation.
