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.

✓ Free Consultation·✓ No Credit Check·✓ No Obligation
      Recognized as a Top 10% Mortgage Broker in Canada
      The Situation

      Failed the Stress Test

      OUR SOLUTION

      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.

      SOLVED
      02

      Self-Employed or Non-Traditional Income

      THE SITUATION
      OUR SOLUTION

      Our lender network includes specialists who qualify borrowers using bank statements, NOAs, and business financials — reflecting your real earning power, not just a T4.

      SOLVED
      03

      Credit Score or Past Credit Event

      THE SITUATION
      OUR SOLUTION

      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.

      SOLVED
      04

      Debt Ratios Too High

      THE SITUATION
      OUR SOLUTION

      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.

      SOLVED
      05

      New to Canada — Insufficient Credit History

      THE SITUATION
      OUR SOLUTION

      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.

      SOLVED
      06

      Property Type Not Approved

      THE SITUATION
      OUR SOLUTION

      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.

      SOLVED

      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

      With over 20 years in mortgage lending, I have sat on both sides of the table. As a former AVP at CWB Optimum Mortgage, I know exactly how lenders evaluate files — and I know what it takes to get yours approved.
      My team and I work with over 60 lenders to craft solutions that fit your life, not a lender’s checklist. We have helped more than 2,500 Alberta families find a path forward when their bank could not help.

      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

      No cost · No credit check · No obligation · Answers in 24–48 hours

      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.

      5.0 rating

      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.

      5.0 rating

      Janet B

      June 2, 2026

      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!

      5.0 rating

      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!

      5.0 rating

      Sean B

      June 2, 2026

      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.

      5.0 rating

      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.

      5.0 rating

      Kevin P

      June 2, 2026

      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.

      5.0 rating

      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.

      5.0 rating

      Lisa J

      June 2, 2026

      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.

      5.0 rating

      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.

      5.0 rating

      David H

      June 2, 2026

      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.

      5.0 rating

      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.

      5.0 rating

      Violet H

      June 2, 2026

      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.

      5.0 rating

      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.

      5.0 rating

      Rohan S

      June 2, 2026

      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.

      5.0 rating

      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.

      5.0 rating

      Chad S

      June 2, 2026

      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.

      5.0 rating

      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.

      5.0 rating

      Guy D

      April 16, 2026

      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.

      5.0 rating

      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.

      5.0 rating

      David K

      April 16, 2026

      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.

      5.0 rating

      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.

      5.0 rating

      Patrick L

      April 16, 2026

      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.

      5.0 rating

      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.

      5.0 rating

      An B

      April 16, 2026

      Get Your Free Consultation

      No cost, no credit check, no obligation. Fill out the form and we'll get back to you within 24–48 hours with clear answers.

      1-800-350-9888
      info@yourmortgageteam.ca
      Alberta, Canada