When the banks say no — we still have a yes.
B-lenders, alt-A, MICs, and private capital. The world beyond the Big-6, where flexibility lives. Exit to A-lender mapped on every file.
Written by the Mortgage Squad Advisors Editorial Team · Reviewed by the Principal Broker, FSRA #13737 · Updated June 2026
The Big-6 bank you’ve banked with for 15 years has narrow underwriting rules. A single missed credit-card payment, a year of self-employed income, an active CRA balance, or a recent consumer proposal can all trigger an automated decline. The branch employee can’t override the system — and rarely tells you that B-lenders, alt-A monolines, and private capital will fund your file at modest rate premiums. We use the full spectrum and plan your exit back to A-pricing the day we fund.
Why Canadians choose Mortgage Squad Advisors.
Which lenders will approve your credit?
Move the slider to your ballpark credit score — see the lender tier that fits and the realistic rate premium.
Below ~600 Beacon with under 25% down, expect private/equity-based options — bumping your down payment widens choices and lowers the rate.
e.g. Canadian Western Bank, MCAP, RFA Mortgage Corporation, Optimum Mortgage — and more, matched to your file.
Three simple steps, no pressure.
Honest intake
Tell us what actually happened. Tax debt, missed payments, complex income, recent life events — nothing surprises us. 15-minute conversation, no bureau pull to begin.
Match the tool
B-lender vs alt-A vs MIC vs private — based on your equity, income story, urgency, and exit plan. We disclose rate premium, term, fees, and timeline in writing before you commit.
Fund + plan the exit
Close the file. Then we monitor your credit recovery and refinance back to A-pricing as soon as your file qualifies — typically 12-24 months. Many clients save more on the exit than they paid in alt premium.
“My bank declined my refinance because of a single year of self-employed dividends. Mortgage Squad Advisors placed me with an alt-A lender at 75 bps higher — and refinanced me back to a prime A-lender 18 months later. Total cost was a rounding error vs. waiting two years to qualify with the bank.”