What’s the difference between a bank mortgage and alternative lending?

A bank mortgage follows one institution’s rules. Alternative lending uses private and specialized lenders with flexible terms, so borrowers with self-employed income, credit events or non-standard files can still get funded.

Can CBNS arrange commercial mortgages?

Yes. We arrange commercial mortgages for office, retail, multi-unit and industrial property through lenders that specialize in commercial financing across Canada and the U.S.

How long does credit repair take before I can qualify?

It depends on your file. Some clients see qualifying improvements in a few months. We give you a realistic timeline upfront and arrange financing as soon as you qualify.

I was declined by my bank. What do you need to help?

Just the reason you were declined and the basics of your file. We review it, identify what to fix, and match you to a lender among 120+ that fits your situation.

Do you charge for a first consultation or audit?

The audit and first consultation are free, with no obligation. You’ll know where you stand before committing to anything.

MORTGAGE & FINANCING

Four specialties, built for the files banks turn away.

CBNS arranges residential, commercial and business mortgages, alternative lending, and credit repair, and gets clients approved when major banks say no. Here is exactly how each one works.

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SPECIALTY 01

Residential, commercial & business mortgages.

Secure financing for your home, your business or your investment property, with competitive rates and expert guidance at every step.

Pre-approvals: Know your real budget before you shop, with a pre-approval that strengthens your offer.
Residential mortgages: Purchase, refinance or renew your home loan, including harder-to-place files.
Commercial mortgages: Finance offices, retail, multi-unit and industrial property with lenders who specialize in it.
Business loans: Fund equipment, expansion or working capital with structures matched to your cash flow.

Who this is for Homebuyers, owners refinancing, and businesses buying or leveraging property, especially anyone a single bank couldn’t place.

Talk to a mortgage specialist

SPECIALTY 02

Alternative lending solutions.

Get flexible financing built around your situation, with access to funds when traditional banks fall short.

Flexible financing: Terms that bend to your reality, including self-employed income, new ventures and non-standard files.
Unique situations: Solutions for the cases that don’t fit a bank’s checklist, from credit events to complex income.
Access to funds: Private and alternative capital that releases money when a bank’s timeline or rules won’t.
Creative solutions: Structures a single institution would never build, designed to close the deal.

Who this is for Self-employed borrowers, business owners, and anyone whose situation is sound but doesn’t fit the bank’s box.

Explore alternative lending

SPECIALTY 03

Credit repair & restoration strategies.

Improve your credit score with proven strategies, so you qualify for better loans and better opportunities.

Credit score improvement: A clear, step-by-step plan to raise your score, not vague promises.
Proven strategies: Methods we’ve used for years to clean up files and rebuild credit standing.
Better loan qualification: A stronger score unlocks lower rates and lenders that were out of reach.
Personalized support: We stay with you through the process, then arrange the financing once you qualify.

Who this is for Anyone declined for credit reasons, or anyone who wants to qualify for a better rate before they apply.

Start improving my credit

SPECIALTY 04

Approvals when banks and big lenders say no.

Get approved when major banks turn you down, with tailored solutions for your specific challenge.

Bank-declined files: We take the file your bank refused and find the lender who will fund it.
Major-lender rejections: A no from one big lender is the start of our search, not the end of yours.
Tailored solutions: Every approval is built around the exact reason you were declined.
Specific challenges: Credit, income, property type or timing, we structure around the obstacle.

Who this is for Borrowers who have already heard no and need someone who specializes in turning that around.

Get approved after a no

A no from the bank is not the end. It's where we start.

Most of our clients come to us after a rejection. That's the work we're built for. We read the reason behind the no, match your file to the right lender among 120+ across Canada and the U.S., and rebuild the path to approval.

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ESTIMATE FIRST

See your monthly payment in seconds.

Ballpark your mortgage below, then get a real quote from a broker who finds approvals when banks say no.

Mortgage payment calculator

Estimate your monthly payment, taxes included. Canadian semi-annual compounding.

Home price

Down payment

Interest rate

Amortization

Property tax / year

Estimated monthly payment

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Mortgage amount: —
Principal + interest: —
Property tax / month: —
Total interest: —
Down payment: —

An estimate for planning, not an offer. Your real rate depends on your file.

Get your real quote

APPROVED

Not sure which one fits?

Tell us your situation in one short call, or run a free audit. We'll point you to the right specialty and the next step.

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