Treadstone Associates
Academy/ Mortgage Professionals/ Courses
Course 10 · Free

B-Lender & Alternative Underwriting

How alternative lenders price risk, set fees and loan-to-value, and how to decide when a file belongs at B instead of a fourth attempt at an A approval.

This course
  • 9 modules · ~122 min
  • Intermediate
  • Knowledge check in every module
  • Canada-wide · reviewed August 2026
№ 01 — Modules

Work through it in order, or dip in.

Start here What 'B lending' actually means in Canada Open 01 How alternative lenders price risk Open 02 Lender fees: what they are and how they must be disclosed Email 03 Loan-to-value caps by credit band and property location Email 04 Bank-statement and alternative income programs Email 05 Wider debt-service ratios: how far is too far Email 06 When to take a file to B instead of fighting for an A approval Email 07 Term length and why B mortgages are usually short Email 08 Planning the exit back to A lending Email