One application. 3 lenders.
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Every Apply button starts the same single application. Your chosen lender is prioritized first.
Limited recourse. Under Alberta's Law of Property Act, a lender's recourse on a conventional mortgage granted by an individual is generally limited to the home. If the home is worth less than the mortgage when the lender takes it, the lender cannot pursue you for the shortfall. The rule covers conventional mortgages, so ask whether yours is one.
8Twelve Mortgage, Homewise and nesto, all in our network. They lend $50,000 to $10 million, with rates from 3.45%. One funds within two days, and the other two within a week. All three consider poor credit, and income minimums start at $1,500 a month. Our application reaches all three at once.
Your credit, income, down payment and the property. A lender prices each of them, so a bigger down payment or a stronger score lowers the rate. Every mortgage lender we work with is on the mortgages in Canada page.
Reviewed by Vlad Sherbatov, Co-Founder and President, Smarter Loans, 4 October 2026. Lender terms checked August 2026.
On a conventional mortgage granted by an individual, Alberta generally limits the lender to the home itself, so it cannot pursue you for a shortfall.
Three lenders in our network do, lending $50,000 to $10 million.
Rates among the three lenders start at 3.45%. Your rate depends on your credit, income, down payment and the property.
One of the three lenders funds within two days, and the other two within a week.
Yes. All three lenders serving Alberta consider poor credit.
