Mortgages Done Different
@mortgagesdonedifferent.ca
Mortgage Broker helping clients when their Bank says no
Yes — in Canada, you can buy a home with just 5% down… even after bad credit.
But it’s not automatic, and it’s not about shortcuts.
In this video, I explain how insured mortgages actually work in Canada,
what lenders look for after past credit issues,
and why timing, recovery, and structure matter
But it’s not automatic, and it’s not about shortcuts.
In this video, I explain how insured mortgages actually work in Canada,
what lenders look for after past credit issues,
and why timing, recovery, and structure matter
December 17, 2025 at 5:37 PM
Yes — in Canada, you can buy a home with just 5% down… even after bad credit.
But it’s not automatic, and it’s not about shortcuts.
In this video, I explain how insured mortgages actually work in Canada,
what lenders look for after past credit issues,
and why timing, recovery, and structure matter
But it’s not automatic, and it’s not about shortcuts.
In this video, I explain how insured mortgages actually work in Canada,
what lenders look for after past credit issues,
and why timing, recovery, and structure matter
Thinking about using a co-signer? Here are the real pros — and the risks most people overlook.
A co-signer can absolutely turn a decline into an approval…
but it also creates a legal responsibility that follows both people long after the mortgage closes.
In this video, I break down:
✔️ When a
A co-signer can absolutely turn a decline into an approval…
but it also creates a legal responsibility that follows both people long after the mortgage closes.
In this video, I break down:
✔️ When a
December 9, 2025 at 2:29 PM
Thinking about using a co-signer? Here are the real pros — and the risks most people overlook.
A co-signer can absolutely turn a decline into an approval…
but it also creates a legal responsibility that follows both people long after the mortgage closes.
In this video, I break down:
✔️ When a
A co-signer can absolutely turn a decline into an approval…
but it also creates a legal responsibility that follows both people long after the mortgage closes.
In this video, I break down:
✔️ When a
Banks follow formulas. Brokers follow people.
In this episode-style breakdown, we go back and forth on the real difference between walking into a bank versus working with a mortgage broker.
One path gives you one set of products.
The other opens up an entire lending market built around how you
In this episode-style breakdown, we go back and forth on the real difference between walking into a bank versus working with a mortgage broker.
One path gives you one set of products.
The other opens up an entire lending market built around how you
November 24, 2025 at 5:24 PM
Banks follow formulas. Brokers follow people.
In this episode-style breakdown, we go back and forth on the real difference between walking into a bank versus working with a mortgage broker.
One path gives you one set of products.
The other opens up an entire lending market built around how you
In this episode-style breakdown, we go back and forth on the real difference between walking into a bank versus working with a mortgage broker.
One path gives you one set of products.
The other opens up an entire lending market built around how you
The bank doesn’t know what YOU can afford — only what fits their formula.
Banks approve based on ratios, taxable income, and rigid guidelines.
But your real cashflow, lifestyle, side income, and comfort level?
None of that shows up on a credit report.
In this video, I break down why bank limits
Banks approve based on ratios, taxable income, and rigid guidelines.
But your real cashflow, lifestyle, side income, and comfort level?
None of that shows up on a credit report.
In this video, I break down why bank limits
November 19, 2025 at 2:11 PM
The bank doesn’t know what YOU can afford — only what fits their formula.
Banks approve based on ratios, taxable income, and rigid guidelines.
But your real cashflow, lifestyle, side income, and comfort level?
None of that shows up on a credit report.
In this video, I break down why bank limits
Banks approve based on ratios, taxable income, and rigid guidelines.
But your real cashflow, lifestyle, side income, and comfort level?
None of that shows up on a credit report.
In this video, I break down why bank limits
No credit? No problem — here’s how to build it fast.
A lot of Canadians get declined not because of bad credit… but because they don’t have any credit at all.
Lenders can’t approve what they can’t measure — but the fix is simple.
In this video, I walk through how to start your credit file from
A lot of Canadians get declined not because of bad credit… but because they don’t have any credit at all.
Lenders can’t approve what they can’t measure — but the fix is simple.
In this video, I walk through how to start your credit file from
November 12, 2025 at 2:30 PM
No credit? No problem — here’s how to build it fast.
A lot of Canadians get declined not because of bad credit… but because they don’t have any credit at all.
Lenders can’t approve what they can’t measure — but the fix is simple.
In this video, I walk through how to start your credit file from
A lot of Canadians get declined not because of bad credit… but because they don’t have any credit at all.
Lenders can’t approve what they can’t measure — but the fix is simple.
In this video, I walk through how to start your credit file from
Not all credit hits are equal.
A single late payment might sting — but a collection can do more long-term damage if it’s left unresolved.
The difference? Lenders read your story, not just your score.
In this video, I break down how underwriters actually see collections vs. late payments,
what
A single late payment might sting — but a collection can do more long-term damage if it’s left unresolved.
The difference? Lenders read your story, not just your score.
In this video, I break down how underwriters actually see collections vs. late payments,
what
November 5, 2025 at 2:13 PM
Not all credit hits are equal.
A single late payment might sting — but a collection can do more long-term damage if it’s left unresolved.
The difference? Lenders read your story, not just your score.
In this video, I break down how underwriters actually see collections vs. late payments,
what
A single late payment might sting — but a collection can do more long-term damage if it’s left unresolved.
The difference? Lenders read your story, not just your score.
In this video, I break down how underwriters actually see collections vs. late payments,
what
Credit took a hit? Here’s how to rebuild it — step by step.
You don’t need to hire a credit repair company or start over from zero.
In this video, I walk through five simple things that actually work:
✔️ On-time payments
✔️ Low balances
✔️ Adding positive credit
✔️ Avoiding quick fixes
✔️ Staying
You don’t need to hire a credit repair company or start over from zero.
In this video, I walk through five simple things that actually work:
✔️ On-time payments
✔️ Low balances
✔️ Adding positive credit
✔️ Avoiding quick fixes
✔️ Staying
November 4, 2025 at 2:15 PM
Credit took a hit? Here’s how to rebuild it — step by step.
You don’t need to hire a credit repair company or start over from zero.
In this video, I walk through five simple things that actually work:
✔️ On-time payments
✔️ Low balances
✔️ Adding positive credit
✔️ Avoiding quick fixes
✔️ Staying
You don’t need to hire a credit repair company or start over from zero.
In this video, I walk through five simple things that actually work:
✔️ On-time payments
✔️ Low balances
✔️ Adding positive credit
✔️ Avoiding quick fixes
✔️ Staying
Bruised credit doesn’t mean you’re out of the game.
Life happens — missed payments, job loss, or just a rough year.
Your credit score isn’t the full story, and lenders know that.
In this video, I break down what “bruised credit” really means,
how lenders view recovery and consistency,
and the
Life happens — missed payments, job loss, or just a rough year.
Your credit score isn’t the full story, and lenders know that.
In this video, I break down what “bruised credit” really means,
how lenders view recovery and consistency,
and the
October 28, 2025 at 1:13 PM
Bruised credit doesn’t mean you’re out of the game.
Life happens — missed payments, job loss, or just a rough year.
Your credit score isn’t the full story, and lenders know that.
In this video, I break down what “bruised credit” really means,
how lenders view recovery and consistency,
and the
Life happens — missed payments, job loss, or just a rough year.
Your credit score isn’t the full story, and lenders know that.
In this video, I break down what “bruised credit” really means,
how lenders view recovery and consistency,
and the
Your credit score is important — but it’s not everything.
A lot of people get discouraged when they see a number that isn’t perfect.
But lenders look at much more than just your score — they look at your story, your income, and your stability.
In this video, I explain how approvals actually work
A lot of people get discouraged when they see a number that isn’t perfect.
But lenders look at much more than just your score — they look at your story, your income, and your stability.
In this video, I explain how approvals actually work
October 27, 2025 at 1:11 PM
Your credit score is important — but it’s not everything.
A lot of people get discouraged when they see a number that isn’t perfect.
But lenders look at much more than just your score — they look at your story, your income, and your stability.
In this video, I explain how approvals actually work
A lot of people get discouraged when they see a number that isn’t perfect.
But lenders look at much more than just your score — they look at your story, your income, and your stability.
In this video, I explain how approvals actually work
Bruised credit doesn’t mean you’re out of options.
Life happens — missed payments, job changes, even a rough year in business.
Your credit score isn’t the whole story, and the right lenders know that.
In this video, I explain how “second-chance” programs work, what lenders actually look for after
Life happens — missed payments, job changes, even a rough year in business.
Your credit score isn’t the whole story, and the right lenders know that.
In this video, I explain how “second-chance” programs work, what lenders actually look for after
October 24, 2025 at 1:27 PM
Bruised credit doesn’t mean you’re out of options.
Life happens — missed payments, job changes, even a rough year in business.
Your credit score isn’t the whole story, and the right lenders know that.
In this video, I explain how “second-chance” programs work, what lenders actually look for after
Life happens — missed payments, job changes, even a rough year in business.
Your credit score isn’t the whole story, and the right lenders know that.
In this video, I explain how “second-chance” programs work, what lenders actually look for after
You’re not the only one working outside the 9–5.
From rideshare drivers to stylists and tradespeople — more Canadians than ever earn income on their own terms.
And that doesn’t mean you can’t qualify for a mortgage.
In this video, I break down how lenders are finally catching up — and how your
From rideshare drivers to stylists and tradespeople — more Canadians than ever earn income on their own terms.
And that doesn’t mean you can’t qualify for a mortgage.
In this video, I break down how lenders are finally catching up — and how your
October 23, 2025 at 2:18 PM
You’re not the only one working outside the 9–5.
From rideshare drivers to stylists and tradespeople — more Canadians than ever earn income on their own terms.
And that doesn’t mean you can’t qualify for a mortgage.
In this video, I break down how lenders are finally catching up — and how your
From rideshare drivers to stylists and tradespeople — more Canadians than ever earn income on their own terms.
And that doesn’t mean you can’t qualify for a mortgage.
In this video, I break down how lenders are finally catching up — and how your
Getting a mortgage on commission income shouldn’t feel impossible — but banks often make it that way.
At Mortgages Done Different, we help self-employed and commission-based earners get approved using real income strategies that traditional lenders overlook.
✅ Real solutions for real people
✅ No
At Mortgages Done Different, we help self-employed and commission-based earners get approved using real income strategies that traditional lenders overlook.
✅ Real solutions for real people
✅ No
October 21, 2025 at 12:13 PM
Getting a mortgage on commission income shouldn’t feel impossible — but banks often make it that way.
At Mortgages Done Different, we help self-employed and commission-based earners get approved using real income strategies that traditional lenders overlook.
✅ Real solutions for real people
✅ No
At Mortgages Done Different, we help self-employed and commission-based earners get approved using real income strategies that traditional lenders overlook.
✅ Real solutions for real people
✅ No
Earn most of your income in cash? Here’s what lenders actually look for.
A lot of people assume cash income can’t count toward a mortgage — but that’s not true.
If it’s consistent, traceable, and shows up in your deposits, some lenders will recognize it as real income.
In this video, I break down
A lot of people assume cash income can’t count toward a mortgage — but that’s not true.
If it’s consistent, traceable, and shows up in your deposits, some lenders will recognize it as real income.
In this video, I break down
October 20, 2025 at 2:16 PM
Earn most of your income in cash? Here’s what lenders actually look for.
A lot of people assume cash income can’t count toward a mortgage — but that’s not true.
If it’s consistent, traceable, and shows up in your deposits, some lenders will recognize it as real income.
In this video, I break down
A lot of people assume cash income can’t count toward a mortgage — but that’s not true.
If it’s consistent, traceable, and shows up in your deposits, some lenders will recognize it as real income.
In this video, I break down
Got a side hustle? It might help you qualify.
Banks don’t always count freelance or side income — but some lenders do.
If it’s consistent, hits your account regularly, and you can show a paper trail, that extra income can make all the difference.
In this video, I break down when and how side
Banks don’t always count freelance or side income — but some lenders do.
If it’s consistent, hits your account regularly, and you can show a paper trail, that extra income can make all the difference.
In this video, I break down when and how side
October 17, 2025 at 1:14 PM
Got a side hustle? It might help you qualify.
Banks don’t always count freelance or side income — but some lenders do.
If it’s consistent, hits your account regularly, and you can show a paper trail, that extra income can make all the difference.
In this video, I break down when and how side
Banks don’t always count freelance or side income — but some lenders do.
If it’s consistent, hits your account regularly, and you can show a paper trail, that extra income can make all the difference.
In this video, I break down when and how side
No T4s? No pay stubs? No problem.
If you’re self-employed, commission-based, or just don’t get a regular paycheques, you can still qualify for a mortgage.
In this video, I walk through three real ways lenders verify income without traditional documents — and how people are getting approved right
If you’re self-employed, commission-based, or just don’t get a regular paycheques, you can still qualify for a mortgage.
In this video, I walk through three real ways lenders verify income without traditional documents — and how people are getting approved right
October 16, 2025 at 1:24 PM
No T4s? No pay stubs? No problem.
If you’re self-employed, commission-based, or just don’t get a regular paycheques, you can still qualify for a mortgage.
In this video, I walk through three real ways lenders verify income without traditional documents — and how people are getting approved right
If you’re self-employed, commission-based, or just don’t get a regular paycheques, you can still qualify for a mortgage.
In this video, I walk through three real ways lenders verify income without traditional documents — and how people are getting approved right
Self-employed for less than 2 years? You still have options.
Banks usually want two full tax years before they’ll look at your file — but that doesn’t mean you can’t qualify.
If your deposits are steady and your credit’s solid, there are lenders who see the bigger picture.
In this video, I break
Banks usually want two full tax years before they’ll look at your file — but that doesn’t mean you can’t qualify.
If your deposits are steady and your credit’s solid, there are lenders who see the bigger picture.
In this video, I break
October 15, 2025 at 1:58 PM
Self-employed for less than 2 years? You still have options.
Banks usually want two full tax years before they’ll look at your file — but that doesn’t mean you can’t qualify.
If your deposits are steady and your credit’s solid, there are lenders who see the bigger picture.
In this video, I break
Banks usually want two full tax years before they’ll look at your file — but that doesn’t mean you can’t qualify.
If your deposits are steady and your credit’s solid, there are lenders who see the bigger picture.
In this video, I break
This is my why.
After nearly 20 years in finance, I thought I’d seen it all — until my own family couldn’t get a mortgage.
My parents had money in the bank, good credit, and steady income.
But because my dad was self-employed, the bank said no.
That was the moment I stopped working for the system
After nearly 20 years in finance, I thought I’d seen it all — until my own family couldn’t get a mortgage.
My parents had money in the bank, good credit, and steady income.
But because my dad was self-employed, the bank said no.
That was the moment I stopped working for the system
October 14, 2025 at 1:13 PM
This is my why.
After nearly 20 years in finance, I thought I’d seen it all — until my own family couldn’t get a mortgage.
My parents had money in the bank, good credit, and steady income.
But because my dad was self-employed, the bank said no.
That was the moment I stopped working for the system
After nearly 20 years in finance, I thought I’d seen it all — until my own family couldn’t get a mortgage.
My parents had money in the bank, good credit, and steady income.
But because my dad was self-employed, the bank said no.
That was the moment I stopped working for the system
Alternative lending isn’t risky — it’s realistic.
It’s the space between “bank rules” and real life.
When your income, credit, or business doesn’t fit the box, alternative lenders look at the full story — not just the numbers on paper.
It’s how self-employed, commission-based, or rebuilding
It’s the space between “bank rules” and real life.
When your income, credit, or business doesn’t fit the box, alternative lenders look at the full story — not just the numbers on paper.
It’s how self-employed, commission-based, or rebuilding
October 10, 2025 at 1:18 PM
Alternative lending isn’t risky — it’s realistic.
It’s the space between “bank rules” and real life.
When your income, credit, or business doesn’t fit the box, alternative lenders look at the full story — not just the numbers on paper.
It’s how self-employed, commission-based, or rebuilding
It’s the space between “bank rules” and real life.
When your income, credit, or business doesn’t fit the box, alternative lenders look at the full story — not just the numbers on paper.
It’s how self-employed, commission-based, or rebuilding
If your bank said no, that’s not the end — it’s just one opinion.
Banks have rigid rules. Perfect paperwork. Perfect credit. Perfect boxes.
Real life doesn’t work like that.
That’s where brokers like us step in — we find lenders who see your story, not just your score.
If you earn income, pay
Banks have rigid rules. Perfect paperwork. Perfect credit. Perfect boxes.
Real life doesn’t work like that.
That’s where brokers like us step in — we find lenders who see your story, not just your score.
If you earn income, pay
October 9, 2025 at 1:15 PM
If your bank said no, that’s not the end — it’s just one opinion.
Banks have rigid rules. Perfect paperwork. Perfect credit. Perfect boxes.
Real life doesn’t work like that.
That’s where brokers like us step in — we find lenders who see your story, not just your score.
If you earn income, pay
Banks have rigid rules. Perfect paperwork. Perfect credit. Perfect boxes.
Real life doesn’t work like that.
That’s where brokers like us step in — we find lenders who see your story, not just your score.
If you earn income, pay
Reposted by Mortgages Done Different
Hope I live long enough to see Nuremberg 2.0
My gosh. After the US bombed multiple boats in the middle of the ocean, murdering people on grounds that they were allegedly "carrying drugs," the US Attorney General says "Just like we did with cartels, we're going to take the same approach, President Trump, with Antifa."
October 8, 2025 at 10:01 PM
Hope I live long enough to see Nuremberg 2.0
Banks sell their products. Brokers build your plan.
That’s the real difference.
A good mortgage broker looks at every lender, not just one.
We match your situation to the best fit — rates, terms, and flexibility that actually work for you.
Whether you’re self-employed, commission-based, or
That’s the real difference.
A good mortgage broker looks at every lender, not just one.
We match your situation to the best fit — rates, terms, and flexibility that actually work for you.
Whether you’re self-employed, commission-based, or
October 8, 2025 at 1:16 PM
Banks sell their products. Brokers build your plan.
That’s the real difference.
A good mortgage broker looks at every lender, not just one.
We match your situation to the best fit — rates, terms, and flexibility that actually work for you.
Whether you’re self-employed, commission-based, or
That’s the real difference.
A good mortgage broker looks at every lender, not just one.
We match your situation to the best fit — rates, terms, and flexibility that actually work for you.
Whether you’re self-employed, commission-based, or
Being “non-prime” doesn’t mean you’re a bad borrower.
It just means your situation doesn’t fit the bank’s box.
Self-employed income, a past proposal, credit bumps — those things make you different, not disqualified.
Non-prime mortgages are a bridge, not a punishment.
They get you into a home now
It just means your situation doesn’t fit the bank’s box.
Self-employed income, a past proposal, credit bumps — those things make you different, not disqualified.
Non-prime mortgages are a bridge, not a punishment.
They get you into a home now
October 7, 2025 at 1:16 PM
Being “non-prime” doesn’t mean you’re a bad borrower.
It just means your situation doesn’t fit the bank’s box.
Self-employed income, a past proposal, credit bumps — those things make you different, not disqualified.
Non-prime mortgages are a bridge, not a punishment.
They get you into a home now
It just means your situation doesn’t fit the bank’s box.
Self-employed income, a past proposal, credit bumps — those things make you different, not disqualified.
Non-prime mortgages are a bridge, not a punishment.
They get you into a home now
More to think about besides interest rate @BRXMortgage
#MortgagesDoneDifferent #MortgageTips #HomeBuyingTips #FirstTimeHomeBuyer #RealEstateCanada #MortgageAdvice #CanadianRealEstate #FinancialLiteracy #MortgageBroker #RealEstateTips #DebtFreeJourney #CreditScoreTips #InvestSmart #MoneyTalks
#MortgagesDoneDifferent #MortgageTips #HomeBuyingTips #FirstTimeHomeBuyer #RealEstateCanada #MortgageAdvice #CanadianRealEstate #FinancialLiteracy #MortgageBroker #RealEstateTips #DebtFreeJourney #CreditScoreTips #InvestSmart #MoneyTalks
October 7, 2025 at 1:15 PM
More to think about besides interest rate @BRXMortgage
#MortgagesDoneDifferent #MortgageTips #HomeBuyingTips #FirstTimeHomeBuyer #RealEstateCanada #MortgageAdvice #CanadianRealEstate #FinancialLiteracy #MortgageBroker #RealEstateTips #DebtFreeJourney #CreditScoreTips #InvestSmart #MoneyTalks
#MortgagesDoneDifferent #MortgageTips #HomeBuyingTips #FirstTimeHomeBuyer #RealEstateCanada #MortgageAdvice #CanadianRealEstate #FinancialLiteracy #MortgageBroker #RealEstateTips #DebtFreeJourney #CreditScoreTips #InvestSmart #MoneyTalks
Lower you monlthy expenses and improve your cashflow with a Mortgage Finance @BRXMortgage
October 6, 2025 at 1:17 PM
Lower you monlthy expenses and improve your cashflow with a Mortgage Finance @BRXMortgage
Tired of explaining your income to the bank?
If you’re self-employed or commission-based, you already know the struggle — they look at your file like it’s written in another language.
At Mortgages Done Different, that’s exactly what we specialize in.
We know how to read your real income, present
If you’re self-employed or commission-based, you already know the struggle — they look at your file like it’s written in another language.
At Mortgages Done Different, that’s exactly what we specialize in.
We know how to read your real income, present
October 6, 2025 at 1:14 PM
Tired of explaining your income to the bank?
If you’re self-employed or commission-based, you already know the struggle — they look at your file like it’s written in another language.
At Mortgages Done Different, that’s exactly what we specialize in.
We know how to read your real income, present
If you’re self-employed or commission-based, you already know the struggle — they look at your file like it’s written in another language.
At Mortgages Done Different, that’s exactly what we specialize in.
We know how to read your real income, present