Haventree Bank mortgage review — a broker's perspective
Specialty B-lender focused on alt-A files: self-employed, newcomer, bruised credit, BFS. Strong on 1-year BFS history acceptance — useful for recently-incorporated borrowers.
- Founded
- Founded 2014
- Headquarters
- Toronto, ON
- Products
- 5 product types
- Tier
- Alt-A / B-lenders
- Broker licence
- FSRA #13737 broker
Who is Haventree Bank good for?
Haventree Bank suits self-employed with 1-2 years of incorporation and bruised credit (500-680 Beacon) with a clear story. It is strongest on: 1-year BFS history accepted, Newcomer alt-A files, Beacon-flexible underwriting, Modern broker portal.
Strong fit for
- Self-employed with 1-2 years of incorporation
- Bruised credit (500-680 Beacon) with a clear story
- Stated-income BFS files A-lenders decline
- Borrowers exiting a power-of-sale or consumer proposal
Probably not the right fit if
- Clean salaried files (better priced at an A-lender)
- Beacons under 500 (usually private territory)
- Files needing 90%+ LTV (alt-A typically caps 75-80%)
Not sure where your file fits? Start a free pre-qualification and we’ll check your fit across 99+ lenders — no credit check to begin.
What kind of lender is Haventree Bank?
Haventree Bank sits within the alt-a / b-lenders tier of Canada's mortgage market. For files A-lenders decline: BFS, bruised credit, complex income. Rates typically run about 0.5–1.5 percentage points above A-lender rates. We map the A-lender exit.
Working across 99+ Canadian lenders, our brokerage knows Haventree Bank's underwriting appetite — what they say yes to, what they push back on, and what file structure gets a clean approval the first time. Haventree Bank fills the gap between A-lender bank decline and private-mortgage territory — competitive pricing on files that don't fit clean bank boxes.
How does Haventree Bank price its mortgages today?
These are Haventree Bank's lowest current rates across 405 broker-channel products in our live feed. Your exact rate depends on your file, term, down payment and insurance.
What mortgages does Haventree Bank offer?
Haventree Bank funds 5 mortgage types. We can access its full broker-channel menu.
- Purchase
- Refinance
- Self-employed
- Newcomer
- Bad credit
Should you go to Haventree Bank directly or use a broker?
Haventree Bank sells only through brokers, so a licensed brokerage like ours is the way in. We’re not employees of Haventree Bank. We’re an independent FSRA-licensed brokerage that sends your file to Haventree Bank when it’s the best fit — and to a different lender when it’s not.
Going direct to Haventree Bank vs. through us
| Aspect | Direct with Haventree Bank | Through Mortgage Squad Advisors |
|---|---|---|
| Rate sheet | Broker-channel only — no direct retail access | Direct broker-channel access — our day-one cost |
| Lenders shopped | Just Haventree Bank | 99+ lenders incl. Haventree Bank |
| If declined | Application ends; reapply elsewhere | Re-route to next-best lender same day |
| Cost to borrower | $0 — bank pays its own staff | Disclosed up front (private/alt files only) |
| Underwriting strategy | Haventree Bank's lens only | We structure your file to Haventree Bank's preferences before submission |
| Renewal benchmarking | Haventree Bank sends a single offer; you accept or counter | We benchmark across 99+ lenders 120 days before renewal |
Same Haventree Bank loan documents. Different shopping power. Start a pre-qualification to see what your file looks like across 99+ lenders.
How we work with Haventree Bank
- Discovery
A 5-minute call about your income, credit, down payment, home and timeline. No credit check to start.
- Match
We compare your file with 99+ lenders, not just Haventree Bank. If Haventree Bank fits best, we go there.
- Submit
We send a full package to Haventree Bank's broker desk, set up the way their underwriters like it.
- Funding
Approval, conditions, lawyer, funding. We manage every step.
Other alt-a / b-lenders we shop alongside Haventree Bank
Same tier, often similar rates. We compare Haventree Bank with these every time.
Haventree Bank mortgage broker — major Canadian cities
We place Haventree Bank files across Canada. Pick your city for local market context.
Don’t see your city? Browse all Canadian markets — we lend nationally.
Haventree Bank — common questions
Don’t see yours? Ask Maya.
What are Haventree Bank's current mortgage rates in Canada?
How do I qualify for a mortgage with Haventree Bank?
Is Haventree Bank a good mortgage lender?
Can I switch to Haventree Bank at renewal?
Does Haventree Bank work with self-employed borrowers?
How long does Haventree Bank take to approve a mortgage?
What's the difference between Haventree Bank branch rates and broker rates?
Does Haventree Bank offer pre-approvals?
What prepayment privileges does Haventree Bank offer?
What if Haventree Bank declines my mortgage application?
Pillar guides relevant to Haventree Bank files
Our most comprehensive first-time-buyer guide. Pre-approval to closing day, the FHSA + RRSP Home Buyers' Plan stack, 30-year insured amortization for first-time buyers, the stress test in plain English, and closing-day costs.
Refinancing isn't always a win. This guide gives you the break-even method we use: penalty + fees vs. monthly savings, with three illustrative scenarios (rate drop, debt consolidation, equity take-out).
Day 1 in Canada to keys in hand. Covers the insured newcomer programs (CMHC, Sagen, Canada Guaranty), how to substitute international credit history, what work-permit holders can and can't buy under the federal purchase ban, and how to document down-payment funds from abroad.
Bad credit, missed payments, consumer proposal, recent bankruptcy — a clear-eyed guide to what's actually possible, what it costs in rate premium, and how to refinance back to A-lender pricing in 12-24 months.
Related lenders
Same broker. Different lender appetite.
Browse other lender tiers
Editorial commitment
This page is an editorial profile written from our brokerage’s perspective. We are not employed by Haventree Bank and receive no payment from Haventree Bank for this content. We compensate-disclose: on A-lender files the lender pays our brokerage compensation, and we earn the same regardless of which A-lender funds your file — so our recommendations are rate-agnostic. Rates and program details are reviewed quarterly; last reviewed May 13, 2026.
Get the best-fit lender for your file.
A 5-minute pre-qualification. No credit check to begin. We compare 99+ lenders — including Haventree Bank — and recommend the right one.
Questions first? Chat with Maya, our AI assistant, or call us.