Haventree Bank’s Bruised Credit product is a specialized mortgage solution catering to individuals with challenged credit histories. Uniquely, it has no minimum credit score requirement, making it accessible to a wider range of borrowers. The program considers applicants with current active bankruptcies, write-offs, and even those with multiple prior bankruptcies, providing an opportunity for financial recovery and homeownership. Additionally, all forms of Canadian income are considered, ensuring that applicants are not excluded based on their income source. This product is particularly designed for those looking to rebuild their financial standing and secure a mortgage despite past credit issues.

Key details

Max Loan to ValueMax Loan to Value (LTV) is the largest loan you can get based on your home's value. For a $500k house, 80% LTV means you can borrow $400k or pay $100k down. 80% of Home Value
Credit ScoreThe minimum credit score required to qualify. If you don't know your score, reach out and we can help. No minimum
Max Amortization 35 years
Mortgage Amount $ 50K - $ 2M

Rates and fees

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Disclaimer: This rate table represents the best rates available from this lender. Rates and fees may depend on several factors, such as your Loan to Value, credit history, income, property use, property location, etc. For a precise quote, fill out the form at the bottom of the page for a no-obligation call.

More information

Purchase Refinance Equity Takeout Debt Consolidation Foreclosure Rescue Private Lender Payout Tax Arrears Payout Home Renovation Loan
Property Types
Detached Semi-detached Condo Townhouse Duplex Triplex Fourplex
Credit Challenges Commission Income Self-Employed Income
Prior Bankruptcy Prior Consumer Proposal Active Bankruptcy Active Consumer Proposal Second Home Gifted Down Payment Borrowed Down Payment Quick Funding

This section lists what the lender either does accept or they may consider on a case-by-case basis depending on the rest of the application. If it’s case-by-case, we try and include a note in the policy details to help give more specific information. But keep in mind alternative (private and ‘b’) mortgages are situation dependent and some of the above items can’t be combined. If you’re unsure or have a question, please fill out the contact form at the bottom of the page or speak with your mortgage professional.

About the Lender

Haventree Bank is a Canadian institution specializing in providing various residential mortgage solutions. Its alternative lending program plays a significant role in serving individuals who may not meet the traditional criteria of major banks. By providing flexible mortgage solutions, Haventree Bank addresses the needs of a unique segment of the Canadian population.

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The content on this website is for informational purposes only and does not constitute professional advice. Policies, rates, and fees are subject to change without notice at the lender’s discretion. There may be additional costs not mentioned on this page. Cost of financing is depends on the situation, and it is the responsibility of your mortgage professional to disclose that information at the time of application. In the event of a discrepancy between this page and the lender, the lender is assumed to be correct. Before making any financial decisions, please consult with a qualified mortgage professional. By using this website, you accept the above statement and our terms and conditions.