Failed the Federal Stress Test
We work with non-federally regulated lenders not bound by the stress test. Many clients qualify immediately with the same income and down payment they already have.
Self-Employed or Non-Traditional Income
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
Alternative lenders assess your current financial health, not just your history. We build a mortgage solution today and a written plan to return you to your bank within 1–2 years.
Debt Ratios Too High
We access lenders who apply different, more flexible GDS/TDS calculations. In many cases a small adjustment or lender change is all it takes to get you approved.
New to Canada — Insufficient Credit History
Several of our lending partners have programs designed specifically for newcomers to Canada. Your global credit history, savings, and employment are taken into full consideration.
Property Type Not Approved
We work with lenders experienced in non-standard and rural Alberta properties. The property that fell outside standard guidelines is often one we can find a solution for.
We Help With Both Straightforward and More Complex Files
Short call to understand
your situation
Review your
numbers and goals
Compare suitable
lender options
Recommend
the structure that fits best
Let Me and My Team Find the Right Mortgage Solution for You
QUICK
Most clients have clear answers within 24–48 hours
EXPERT
20+ years | Former AVP at CWB Optimum Mortgage
HONEST
Straight answers, no pressure, no surprises — ever
Client Success Stories
Self-Employed Client Success
As a self-employed business owner, getting approved felt nearly impossible. The YourMortgageOptions team knew exactly how to present my finances and guided me step by step. The process was smooth, and I was approved faster than expected.
Self-Employed Client Success
As a self-employed business owner, getting approved felt nearly impossible. The YourMortgageOptions team knew exactly how to present my finances and guided me step by step. The process was smooth, and I was approved faster than expected.
Raj P
Help with Complex Financial Situation
After being turned down by our bank, we felt stuck. The YourMortgageOptions team took the time to understand our situation and found options we didn’t even know existed. Thanks to them, we secured a mortgage and are now in our new home.
Help with Complex Financial Situation
After being turned down by our bank, we felt stuck. The YourMortgageOptions team took the time to understand our situation and found options we didn’t even know existed. Thanks to them, we secured a mortgage and are now in our new home.
Amanda K.
Fast Approval & Efficiency
We were on a tight timeline and needed financing quickly. The YourMortgageOptions team stepped in immediately and got everything organized. Within days, we had approval and could move forward stress-free. Their communication and speed were exceptional.
Fast Approval & Efficiency
We were on a tight timeline and needed financing quickly. The YourMortgageOptions team stepped in immediately and got everything organized. Within days, we had approval and could move forward stress-free. Their communication and speed were exceptional.
Jason R.
First-Time Homebuyer Experience
As first-time homebuyers, we had no idea where to start. The YourMortgageOptions team guided us through every step, answered all our questions, and made the entire process feel simple. We ended up with a great rate and total confidence in our decision
First-Time Homebuyer Experience
As first-time homebuyers, we had no idea where to start. The YourMortgageOptions team guided us through every step, answered all our questions, and made the entire process feel simple. We ended up with a great rate and total confidence in our decision
Sarah & Daniel M.
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