Previously Bankrupt

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There are many great lenders in Canada that will help you through the door of home ownership with the minimal down. The only lenders that require you to wait beyond 6 years are the bigger banks. The monoline (lenders who focus on mortgages only, have many products for the discharged bankrupt client. There rates are often better than the banks rates. (All good for the client)

Down Payment:

The down payment has a little less flexibility. The down payment must come from own resources, rrsp, tfsa, family gift, savings, employer benefits, sale of goods and a few other areas – each is unique it is difficult to cover all options in a paragraph. The important thing to note regarding the down payment is it cannot be borrowed, no debt can be acquired to accommodate the down payment.

Credit Score:

You will require a credit score of 600 and greater, if using a 5% down payment product. Should you wish to use the 20% and more then there will be flexibility in the credit score.​

Credit History:

You must have a minimum of 2 pieces of credit with at least 12 months reporting. Please note that no late payments will be acceptable from any of the lenders.​


You will be required to provide all our bankruptcy paperwork including a list of creditors and the discharge certificate. If you do not have this please contact your trustee to acquire it.​

Other Real Estate:

If there was real estate included in the bankruptcy then you will default to 20% requirement as the lenders will not be able to use the insurers (Cmch Genworth Canadian Guarantee).​


Bankruptcy is not personal. We measure bankruptcy as a snap shot of where someone was financially at a period in their lives. Lenders understand and have created flexible policies.

Please reach out to us should you have any questions. We will do a complete review for you and ensure you are ready to move forward with your mortgage requirements.

Highly Recommended

Find out why hundreds of others choose GoToBrokers as their Alberta mortgage broker of choice.

My husband and I have recommended Stephanie Lopushinsky to everyone we know because she is so knowledgeable and wonderful to work with! She truly went above and beyond to guide us through every step of obtaining our mortgage for our first home!

Julia K

Highly recommend Stephanie. Amazing service. She kept us in the loop throughout the process and took the time to answer all/any questions.

Denise C

Stephanie was amazing. Always there to help with quick replies. She was straightforward with direction and upfront with what the outcome could be. She made this whole process so much easier especially because everyone she needed to deal with, the banks and lawyers, were awful. Everyone out there should use Stephanie!


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