Strive Aspire’s Alt-A mortgage product is designed for two main types of borrowers: those who need to borrow more than traditional banks will lend and those with bruised credit histories. Classified as a ‘Near prime’ product, Alt-A is notable for its inclusivity, accepting applications from borrowers just one day after being discharged from bankruptcy. Additionally, it accommodates second mortgages placed behind it, offering greater flexibility in financing. For self-employed borrowers, the qualification process is streamlined, requiring only 12 months of bank statements. This product is an adaptable solution for individuals seeking access to credit under circumstances where conventional lenders may not provide options.

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. 540 minimum
Max Amortization 30 years
Mortgage Amount $ 100K - $ 1.25M

Rates and fees

Fill in property value and mortgage amount to see rates

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 Private Lender Payout Tax Arrears Payout
Property Types
Detached Semi-detached Condo Townhouse Duplex Triplex Fourplex
Borrow More Low Taxable Income Commission Income Self-Employed Income Credit Challenges Rental Program
Active Consumer Proposal Prior Consumer Proposal Prior Bankruptcy Second Home Qualify at Contract Rate

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

Aspire by Strive Capital, launched in November 2023, specializes in alternative mortgage options. It caters to self-employed individuals, people with limited credit history, or those with unique financial needs. As the 'B' lending branch of Strive Capital, Aspire is recognized for its efficient process and willingness to find practical solutions for borrowers. This makes them a suitable choice for those needing a flexible approach to home financing.

Request a Quote


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.