When life does not fit in the box
We have out-of- the-box Solutions
With 20+ years of experience and 60+ lenders, we’ll secure you a mortgage today and help you prepare to return to your branch for your next mortgage.
Failed the Stress Test
We work with non-federally regulated lenders not bound by the stress test. Many clients qualify immediately with the same income and down payment they already have.
Self-Employed or Non-Traditional Income
Our lender network includes specialists who qualify borrowers using bank statements, NOAs, and business financials — reflecting your real earning power, not just a T4.
Credit Score or Past Credit Event
Alternative lenders assess your current financial health, not just your history. We build a mortgage solution today and a written plan to return you to your bank within 1–2 years.
Debt Ratios Too High
We access lenders who apply different, more flexible GDS/TDS calculations. In many cases a small adjustment or lender change is all it takes to get you approved.
New to Canada — Insufficient Credit History
Several of our lending partners have programs designed specifically for newcomers to Canada. Your global credit history, savings, and employment are taken into full consideration.
Property Type Not Approved
We work with lenders experienced in non-standard and rural Alberta properties. The property that fell outside standard guidelines is often one we can find a solution for.
We Help With Both Straightforward and More Complex Files
Short call to understand
your situation
Review your
numbers and goals
Compare suitable
lender options
Recommend
the structure that fits best
Let Me and My Team Find the Right Mortgage Solution for You
QUICK
Most clients have clear answers within 24–48 hours
EXPERT
20+ years | Former AVP at CWB Optimum Mortgage
HONEST
Straight answers, no pressure, no surprises — ever
Client Success Stories
Business for Self Solutions
Bernie and his team helped us out immensely. Because of our circumstances of owning our own business, we ran into numerous roadblocks. Bernie always found a solution to go forward. We were kept fully informed during the process and he managed to get us a great mortgage solution. We would recommend Bernie and his team to anyone looking for the best mortgage options when you are a business owner.
Janet B
Business for Self Solutions
Bernie and his team helped us out immensely. Because of our circumstances of owning our own business, we ran into numerous roadblocks. Bernie always found a solution to go forward. We were kept fully informed during the process and he managed to get us a great mortgage solution. We would recommend Bernie and his team to anyone looking for the best mortgage options when you are a business owner.
Janet B
There is always a solution
Bernie and Denise were very supportive and helpful during the mortgage process. My situation seemed to be evolving and they showed understanding and patience. Thank you!
Sean B
There is always a solution
Bernie and Denise were very supportive and helpful during the mortgage process. My situation seemed to be evolving and they showed understanding and patience. Thank you!
Sean B
Reverse Mortgage Solution
My business was slowing down and so was I, at 70 years old. I had tons of equity in my house but did not want to sell it and move. I went to my bank but did not qualify for a mortgage, they suggested a reverse mortgage. I was referred to Bernie who I met with and in no time he got me just the solution I wanted. Now I still live in my house that I have had for years, but I can use the equity to enjoy life instead of it just being locked in the house.
Kevin P
Reverse Mortgage Solution
My business was slowing down and so was I, at 70 years old. I had tons of equity in my house but did not want to sell it and move. I went to my bank but did not qualify for a mortgage, they suggested a reverse mortgage. I was referred to Bernie who I met with and in no time he got me just the solution I wanted. Now I still live in my house that I have had for years, but I can use the equity to enjoy life instead of it just being locked in the house.
Kevin P
Finds Solutions
Bernie and his Team were wonderful to deal with. They worked relentlessly to find a solution for our financial needs. Bernie was highly efficient in communicating with us and always keeping us informed, Highly recommend Bernie and his Team.
Lisa J
Finds Solutions
Bernie and his Team were wonderful to deal with. They worked relentlessly to find a solution for our financial needs. Bernie was highly efficient in communicating with us and always keeping us informed, Highly recommend Bernie and his Team.
Lisa J
Helped me afford a home
Mr. Budney and his team were thoughtful and thorough, and dealt with every first-timer question I threw at them with grace. I didn't even feel bad asking what might have seemed like dumb questions! They worked hard and got me and amazing rate and helped me get a home I didn't even believe I could afford. I would recommend them to anyone.
David H
Helped me afford a home
Mr. Budney and his team were thoughtful and thorough, and dealt with every first-timer question I threw at them with grace. I didn't even feel bad asking what might have seemed like dumb questions! They worked hard and got me and amazing rate and helped me get a home I didn't even believe I could afford. I would recommend them to anyone.
David H
Overcomes Challenges
My experience with Mr. Budney's services has been excellent. Business is conducted professionally, efficiently and with integrity. Despite numerous challenges, Bernie was successful in getting the job done in a timely manner. His extensive knowledge, experience and networking provide the best results in every way. He is by far, the best in the industry.
Violet H
Overcomes Challenges
My experience with Mr. Budney's services has been excellent. Business is conducted professionally, efficiently and with integrity. Despite numerous challenges, Bernie was successful in getting the job done in a timely manner. His extensive knowledge, experience and networking provide the best results in every way. He is by far, the best in the industry.
Violet H
Short Term Private Mortgage Solution
Mr. Budney was very helpful. He was able to get a short term private mortgage to allow me to finish the upgrades to my apartment building. Now that the upgrades are done the building appraised significantly higher and Mr. Budney has arranged for a new first mortgage with the bank to payout the old first mortgage and the second and allowed me to take out enough equity to the down payment to buy another building. With Mr. Budney's years of experience he made it a fast and easy process.
Rohan S
Short Term Private Mortgage Solution
Mr. Budney was very helpful. He was able to get a short term private mortgage to allow me to finish the upgrades to my apartment building. Now that the upgrades are done the building appraised significantly higher and Mr. Budney has arranged for a new first mortgage with the bank to payout the old first mortgage and the second and allowed me to take out enough equity to the down payment to buy another building. With Mr. Budney's years of experience he made it a fast and easy process.
Rohan S
Complex corp. structure
Bernie was a life saver in making a challenging house purchase come to fruition. The process to buy a home was filled with way more legal conditions and timing issues than I figured were possible but Bernie and Denise were aces in stick-handling my deal to close. The bank where my business accounts are held was not able to execute based on the complexity. Bernie and his team had access to a number of mortgage options. They were absolutely class act pros with first-class customer service.
Chad S
Complex corp. structure
Bernie was a life saver in making a challenging house purchase come to fruition. The process to buy a home was filled with way more legal conditions and timing issues than I figured were possible but Bernie and Denise were aces in stick-handling my deal to close. The bank where my business accounts are held was not able to execute based on the complexity. Bernie and his team had access to a number of mortgage options. They were absolutely class act pros with first-class customer service.
Chad S
Self-Employed Client Success
As a self-employed business owner, my credit score was not high enough for my bank to approve my mortgage. Bernie and his team were able to get me the mortgage I needed and put a plan together to get my credit score back up so I can go back to my bank when this mortgage is up for renewal.
Guy D
Self-Employed Client Success
As a self-employed business owner, my credit score was not high enough for my bank to approve my mortgage. Bernie and his team were able to get me the mortgage I needed and put a plan together to get my credit score back up so I can go back to my bank when this mortgage is up for renewal.
Guy D
Debt Ratio Issue
My bank was unable to approve a refinance mortgage for me because my payments were too high, which is why I was looking to do the refinance. Mr. Budney was able to work his magic and got me a mortgage to pay off my high interest debt and restructured my payments so that I am saving close to 500 bucks a month. In a couple of years my truck will be paid off and I will be almost debt free except for my mortgage.
David K
Debt Ratio Issue
My bank was unable to approve a refinance mortgage for me because my payments were too high, which is why I was looking to do the refinance. Mr. Budney was able to work his magic and got me a mortgage to pay off my high interest debt and restructured my payments so that I am saving close to 500 bucks a month. In a couple of years my truck will be paid off and I will be almost debt free except for my mortgage.
David K
Property did not fit with the bank
We just bought a house with Bernie's help. The house is 101 years old and has a wooden foundation. with the current economic climate in Alberta banks are a bit less open to lending on a house with those attributes even though it is in immaculate shape. Bernie and Dawn went over and above what was required to help us get together with the right lender for this house, and for that we will be forever grateful. Thank you Bernie and Thank you Team.
Patrick L
Property did not fit with the bank
We just bought a house with Bernie's help. The house is 101 years old and has a wooden foundation. with the current economic climate in Alberta banks are a bit less open to lending on a house with those attributes even though it is in immaculate shape. Bernie and Dawn went over and above what was required to help us get together with the right lender for this house, and for that we will be forever grateful. Thank you Bernie and Thank you Team.
Patrick L
Self Employed look for an Alternative Lender
I am very satisfied with the service I received from Bernie and Debbie. They are highly knowledgeable and extremely helpful. Bernie is polite and diligent with a very professional manor yet extremely friendly at the same time, he seems to have mastered the perfect balance. Bernie was always available to address any questions or concerns that I had and nothing was too much effort. If you are self-employed or looking for an alternative to the big banks which have very ridged lending rules, consider using Bernie to help you find a solution.
An B
Self Employed look for an Alternative Lender
I am very satisfied with the service I received from Bernie and Debbie. They are highly knowledgeable and extremely helpful. Bernie is polite and diligent with a very professional manor yet extremely friendly at the same time, he seems to have mastered the perfect balance. Bernie was always available to address any questions or concerns that I had and nothing was too much effort. If you are self-employed or looking for an alternative to the big banks which have very ridged lending rules, consider using Bernie to help you find a solution.
An B
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