Alternative Lending

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Bruised Credit, Self Employed or New Immigrant? We offer mortgage solutions to clients who do not qualify for loans with traditional lending institutions.

Our Alternative Lending Program caters to salaried or BFS clients who don’t fit the lending criteria for a traditional mortgage. It provides competitive purchase and refinance rates for clients who just miss qualifying for a prime mortgage through the banks.


  • Available for home Purchases up to 80% LTV
  • Available for home Refinances up to 75% LTV
  • Maximum 3 year term
  • Maximum 30 year amortization
  • Flexible Total Debt Service ratios


  • Maximum 80% LTV
  • 75% of the rental income can be applied to the service calculation

Contact your local CFF Centre for more information on this product.

Alternative Lending Features

Alternative Lending More Info

  • Do you need a mortgage but the bank won’t approve?
  • Is a high debt ratio holding you down?
  • Our Lenders can provide alternative lending solutions, with a variety of products to suit our customer’s needs.
  • If you are not able to qualify with traditional lenders, ask your local Canadian First Financial Centre about how we can help!

Contact your local CFF Centre Representative for more information.


*Interest rates are subject to change without notice. Each mortgage application is subject to approval based on its own merits in accordance with the Mortgage Lender’s policies and guidelines.  O.A.C. Terms and conditions apply. Administrative fees may apply. The Mortgage Lender is solely responsible for the terms and performance of the Mortgage provided under an agreement to the Customer. Canadian First Financial Centres will not be responsible in any way for the terms of the agreements between the Mortgage Lender and the Customer. Canadian First Financial Centres is not a licenced mortgage brokerage.

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Alternative Lending Rates

Closed mortgage rates staring at4.49%
Open mortgage rates starting at5.99%
Client fee starting at 1.00%