Example: buying a home 14 months after a completed consumer proposal, using a B-lender

Most A-lenders want to see roughly two years of re-established credit after a consumer proposal is paid in full, with at least two active trade lines reporting clean. At 14 months out, the couple didn't yet meet that bar — but they were tired of renting while prices moved.

They'd been told by a bank to simply wait. That advice isn't wrong, but it isn't the only option.

We placed the file with a B-lender (alternative A) that accepts recently-completed proposals when there's re-established credit and at least 20% down. We documented the two secured cards reporting on time, verified income, and confirmed the proposal was paid and reporting correctly on both bureaus.

Critically, we built the deal as a bridge, not a destination: a short term at B pricing now, with a written exit plan to refinance into A-lender pricing once they cross the two-year mark with clean credit — saving them from being stuck at alternative rates long-term.

In this example the couple buys about 10 months sooner than the wait-and-see path. The B-lender rate and lender fee are real costs; they're meant to be temporary, and whether buying sooner is worth them depends on the market and the household's plans.