The waiting period after bankruptcy before you can get a mortgage in Canada can vary greatly depending on the lender, your credit, and how well you've managed your finances post-bankruptcy. Here are some general timelines: Two Years Post-Discharge with Re-established Credit: Most mainstream lenders, like banks, require at least two years to have passed since your bankruptcy discharge and that you have re-established good credit. This means you've consistently paid your bills on time, used credit responsibly, and perhaps saved for a down payment.  One-Day Post-Discharge with Larger Down Payment: Some private or alternative lenders may approve a mortgage as soon as one day after discharge, but these lenders usually require a larger down payment (20-35% or more) and will likely charge higher interest rates to offset the risk they're taking on. The key point is that while bankruptcy can be a significant setback, it's not insurmountable. With time and careful financial management, rebuilding your credit and eventually securing a mortgage is possible. Working with a mortgage broker who can advise and guide you through this process is often advisable.