text: the banks wont give us a mortgage because of my partners past goof ups (late payments, master card)? but that was in the past before i came into the picture.  well we have been together for 3 years and want to buy a bigger home, but the banks basically tell us to go fuck ourselves.  we have a large down payment (85,000) and want a house that cost about 320,000.   so we aren't hurtin for the down payment.   does anyone have any advice to give us, is there any other way to get a mortgage...like maybe a broker? we live in alberta. try to get the house in your name only.  if you cannot qualify for the payment by yourself, but you have good credit, you will need compare the rate with both of you vs. the rate for you alone on a "no income verification" loan.  20% is a great down payment.  more than that usually does not give significant benefits, but may depending on the loan type.  there are a lot of mortgage brokers in canada.  tell them what your scores are, and what you want to do.  they should be able to give you information without pulling your credit so you can compare rates and fees.