A MORTGAGE TURNDOWN IS NOT THE END OF THE ROAD
IT IS OFTEN SIMPLY A CURVE WE HELP YOU NAVIGATE.
With 20+ years of experience and 60+ lenders, we’ll secure you a mortgage today and help you prepare to return to your branch for your next mortgage.
Recognized as a Top 10% Mortgage Broker in Canada
Failed the Stress Test
Our Solution
We work with lenders not bound by the stress test as well as lender who allow higher ratios. Many clients qualify immediately with the same income and down payment they already have.
Self-Employed or Non-Traditional Income
Our Solution
Our lender network includes specialists who qualify borrowers using bank statements, NOAs, and business financials — reflecting your real earning power, not just a T4.
Credit Score or Past Credit Event
Our Solution
Bruised credit, past consumer proposal, or bankruptcy? We have lenders who look beyond the score and focus on where you are today and where you're heading.
New to Canada
Our Solution
Limited Canadian credit history is not a deal-breaker. We partner with lenders that welcome newcomers with flexible documentation programs.
Debt ratios too high
Our Solution
We access lenders who apply different, more flexible GDS/TDS calculations. In many cases this increased flexibility is all it takes to get you approved
Bridge, Private, or Short-Term Need
Our Solution
When timing is tight, our private and alternative lenders move fast — closings in days, not weeks, with clear exit strategies built in.
Don't see your situation here?
A proven 4-step path
Here's Exactly How We Get You Approved
Understand your situation
A no-pressure conversation to learn your story, goals, and timeline.
Review your numbers and goals
We dig into income, credit, and equity to map out what's actually possible.
Match you to the right lender
From our 60+ lender network, we hand-pick the file's best fit.
Get you approved
We package, present, and negotiate — you sign with confidence.

Let Me and My Team Find the Right Mortgage Solution for You
With over 20 years in mortgage lending, I have sat on both sides of the table. As a former AVP at CWB Optimum Mortgage, I know exactly how lenders evaluate files — and I know what it takes to get yours approved.
My team and I work with over 60 lenders to craft solutions that fit your life and current situation. We have helped more than 2,000+ Alberta families find a path forward when their bank could not help.
Fast
Experience drives Fast Answers
Expert
20+ years | Former AVP at CWB Optimum Mortgage
Honest
Straight answers, no pressure, no surprises — ever
Free consultation · No credit check
Business for Self Solutions
Bernie and his team helped us out immensely. Because of our circumsta...Read More
Janet B
Business for Self Solutions
Bernie and his team helped us out immensely. Because of our circumstances of owning our own business, we ran into numerous roadblocks. Bernie always found a solution to go forward. We were kept fully informed during the process and he managed to get us a great mortgage solution. We would recommend Bernie and his team to anyone looking for the best mortgage options when you are a business owner.
Janet B
There is always a solution
Bernie and Denise were very supportive and helpful during the mortgag...Read More
Sean B
There is always a solution
Bernie and Denise were very supportive and helpful during the mortgage process. My situation seemed to be evolving and they showed understanding and patience. Thank you!
Sean B
Revers Mortgage Solution
My business was slowing down and so was I, at 70 years old. I had ton...Read More
Kevin P
Revers Mortgage Solution
My business was slowing down and so was I, at 70 years old. I had tons of equity in my house but did not want to sell it and move. I went to my bank but did not qualify for a mortgage, they suggested a reverse mortgage. I was referred to Bernie who I met with and in no time he got me just the solution I wanted. Now I still live in my house that I have had for years, but I can use the equity to enjoy life instead of it just being locked in the house.
Kevin P
Finds Solutions
Bernie and his Team were wonderful to deal with. They worked relentle...Read More
Lisa J
Finds Solutions
Bernie and his Team were wonderful to deal with. They worked relentlessly to find a solution for our financial needs. Bernie was highly efficient in communicating with us and always keeping us informed, Highly recommend Bernie and his Team.
Lisa J
Helped me afford a home
Mr. Budney and his team were thoughtful and thorough, and dealt with ...Read More
David H
Helped me afford a home
Mr. Budney and his team were thoughtful and thorough, and dealt with every first-timer question I threw at them with grace. I didn't even feel bad asking what might have seemed like dumb questions! They worked hard and got me and amazing rate and helped me get a home I didn't even believe I could afford. I would recommend them to anyone.
David H
Overcomes Challenges
My experience with Mr. Budney's services has been excellent. Business...Read More
Violet H
Overcomes Challenges
My experience with Mr. Budney's services has been excellent. Business is conducted professionally, efficiently and with integrity. Despite numerous challenges, Bernie was successful in getting the job done in a timely manner. His extensive knowledge, experience and networking provide the best results in every way. He is by far, the best in the industry.
Violet H
Short Term Private Mortgage Solution
Mr. Budney was very helpful. He was able to get a short term private ...Read More
Rohan S
Short Term Private Mortgage Solution
Mr. Budney was very helpful. He was able to get a short term private mortgage to allow me to finish the upgrades to my apartment building. Now that the upgrades are done the building appraised significantly higher and Mr. Budney has arranged for a new first mortgage with the bank to payout the old first mortgage and the second and allowed me to take out enough equity to the down payment to buy another building. With Mr. Budney's years of experience he made it a fast and easy process.
Rohan S
Complex corp. structure
Bernie was a life saver in making a challenging house purchase come t...Read More
Chad S
Complex corp. structure
Bernie was a life saver in making a challenging house purchase come to fruition. The process to buy a home was filled with way more legal conditions and timing issues than I figured were possible but Bernie and Denise were aces in stick-handling my deal to close. The bank where my business accounts are held was not able to execute based on the complexity. Bernie and his team had access to a number of mortgage options. They were absolutely class act pros with first-class customer service.
Chad S
Self-Employed Client Success
As a self-employed business owner, my credit score was not high enoug...Read More
Guy D
Self-Employed Client Success
As a self-employed business owner, my credit score was not high enough for my bank to approve my mortgage. Bernie and his team were able to get me the mortgage I needed and put a plan together to get my credit score back up so I can go back to my bank when this mortgage is up for renewal.
Guy D
Debt Ratio Issue
My bank was unable to approve a refinance mortgage for me because my ...Read More
David K
Debt Ratio Issue
My bank was unable to approve a refinance mortgage for me because my payments were too high, which is why I was looking to do the refinance. Mr. Budney was able to work his magic and got me a mortgage to pay off my high interest debt and restructured my payments so that I am saving close to 500 bucks a month. In a couple of years my truck will be paid off and I will be almost debt free except for my mortgage.
David K
Property did not fit with the bank
We just bought a house with Bernie's help. The house is 101 years old...Read More
Patrick L
Property did not fit with the bank
We just bought a house with Bernie's help. The house is 101 years old and has a wooden foundation. with the current economic climate in Alberta banks are a bit less open to lending on a house with those attributes even though it is in immaculate shape. Bernie and Dawn went over and above what was required to help us get together with the right lender for this house, and for that we will be forever grateful. Thank you Bernie and Thank you Team.
Patrick L
Self Employed look for an Alternative Lender
I am very satisfied with the service I received from Bernie and Debbi...Read More
An B
Self Employed look for an Alternative Lender
I am very satisfied with the service I received from Bernie and Debbie. They are highly knowledgeable and extremely helpful. Bernie is polite and diligent with a very professional manor yet extremely friendly at the same time, he seems to have mastered the perfect balance. Bernie was always available to address any questions or concerns that I had and nothing was too much effort. If you are self-employed or looking for an alternative to the big banks which have very ridged lending rules, consider using Bernie to help you find a solution.
An B
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