Exit Strategy

A Structured Bridge From Damaged Credit Back to Prime

A past bankruptcy, consumer proposal, or rough credit patch doesn't have to derail homeownership. A B-Lender bridge, used for 12 to 24 months, is often the fastest structured path back to a prime bank rate.

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4.49%*

Starting B-Lender Rate

12–24 MO

Typical Bridge Period

Structured

Path Back to Prime

Flexible

Credit Requirements

Quick Answer

Credit rebuilding financing uses a B-Lender mortgage as a temporary bridge for borrowers recovering from bankruptcy, a consumer proposal, or significant credit damage. Making consistent, on-time payments over 12 to 24 months rebuilds the credit history needed to qualify for a prime A-lender mortgage, at which point the borrower typically refinances to a lower rate.

Bridges borrowers with damaged credit back to prime eligibility
12–24 months of on-time payments rebuilds credit history
Discharged bankruptcy or consumer proposal is workable
A defined, planned strategy — not an indefinite arrangement

A Plan, Not Just a Loan

Homeownership Doesn't Have to Wait for Perfect Credit

Credit rebuilding financing is designed with a clear destination: qualifying for a prime mortgage.

Recover From Real Setbacks

Discharged bankruptcy, a consumer proposal, or a rough patch of missed payments are all workable starting points.

Credit Rebuilds With Every Payment

Consistent, on-time mortgage payments are one of the most effective ways to rebuild a credit score.

Clear Exit to Prime

We map out the realistic timeline and target credit profile needed to refinance into an A-lender rate.

How It Works

The Path Back to Prime

A defined 12–24 month plan, reviewed regularly as your credit improves.

Credit & History Review

We review what happened, when, and where your credit stands today.

B-Lender Bridge Approval

Approval with a lender comfortable with your specific credit history and recovery stage.

Consistent On-Time Payments

12 to 24 months of on-time mortgage payments rebuilds your credit profile.

Refinance to Prime

Once your credit and history qualify, we refinance you into a lower A-lender rate.

Eligibility

Who This Strategy Fits

Credit rebuilding financing suits borrowers with a specific, identifiable credit event in their recent past.

Discharged bankruptcy or completed consumer proposal
A pattern of missed payments now stabilized or resolved
Reasonable, verifiable income to support the new mortgage payment
Minimum 20% down payment or equity
Willingness to follow a structured 12–24 month rebuilding plan

FAQ

Credit Rebuilding FAQ

What borrowers ask when starting the journey back to prime credit.

Many B-Lenders will consider a file immediately upon discharge, and some as early as during a consumer proposal, though rate and down payment requirements are typically stricter the more recent the event.

No — you'll need to actively refinance once your credit profile qualifies for a prime lender. We track your progress and flag when that transition makes sense.

The bridge period is a plan, not a hard deadline — we reassess your file regularly and adjust the timeline if needed rather than forcing a refinance before you're ready.

Yes, B-Lender rates (starting from 4.49%) are higher than prime bank rates, reflecting the higher risk profile — but the goal is a temporary period, not a permanent rate.

Most clients see meaningful movement within 6 to 12 months of consistent on-time payments, though the full bridge to comfortably qualifying at a prime lender is more commonly 12 to 24 months, depending on the severity of the original credit event.

Start Your Path Back to Prime

Tell us about your credit history — we'll map a realistic timeline.

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