Your discharge certificate, the exact date, and the credit you have re-established since, meaning one or two accounts used carefully and paid on time. They want to see the recovery, not only the fall.
Settle things down before you apply
A few fixes take weeks: getting card utilisation under 30%, clearing a collection. Others take months of clean payments. Once you know which is which, you know when to apply.
Cost and exit for an alternative lender
If you need an alternative lender, the plan is worth more than the rate. What will it cost, how long does it run, and what has to change before you can return to a conventional lender?
Documents to gather
What the lender will ask for.
Purpose of the file
Income and documents
Debts and credit
Property or security
Target timeline
Lender options
Frequently asked
How long after bankruptcy can I get a mortgage?+
It depends on the lender and on how long ago you were discharged. Traditional lenders generally want a few years of re-established credit. Some alternative lenders will go sooner, at a higher rate. Start by getting your discharge certificate.
Which documents should I gather?+
Your last two notices of assessment, recent pay stubs, an employment letter, three months of bank statements and proof of your down payment. Add the discharge certificate or proof of settlement. Have the pile ready before you make an offer, and a short financing window stays realistic.
Current rates
Today’s rates, with the fine print.
These rates are indicative. Yours depends on your file, the type of mortgage (insured or not) and the lender. And look at the penalty too, it matters as much as the number.
Buying, renewing, refinancing, or something a bit out of the ordinary: tell us where you’re at, even if it’s still fuzzy. Mathieu gets back to you with next steps and the documents to pull together.
