Simplified Mortgage Solutions for Canadians
We make securing a mortgage simple. Whether you are buying, refinancing, or unlocking the equity in your home, Home Credits delivers fast approvals and real answers — regardless of your credit situation.
- Approved in as little as 24 hours
- All credit types welcome
- Broker-friendly private lending
- Proudly Canadian
Licensed in ON · AB · BC · NS
Where do you fit in?
Three ways to work with Home Credits. Choose the path that fits you.
Brokers
Submit your deals to a private lender that protects your client relationship. Fast commitments, reliable funding, and white-glove service for mortgage professionals.
Submit a DealInvestors
Put your capital to work in private mortgages secured by real Canadian real estate. FSRA-regulated and built on long-term relationships.
Start EarningBorrowers
Access the equity in your home or get approved for a mortgage that fits your goals — even if the banks have said no. Approvals in as little as 24 hours.
Apply NowWhy Canadians choose Home Credits
A private lender that moves at the speed of your deal.
Fast, real approvals
We can have you approved in as little as 24 hours and funds in your account within a few days after that.
Licensed and regulated
Home Credits is licensed in Ontario, Alberta, British Columbia and Nova Scotia. FSRA #13682 (Ontario).
Proudly Canadian
Ontario at our core, serving homeowners, brokers and investors from coast to coast.
People over paperwork
We look at the whole picture, not just a credit score. Self-employed, newcomers, and complex files welcome.
Straightforward terms
Clear, honest terms with no surprises. You always know exactly where your file stands.
Broker protected
Send us your deals with confidence. We protect the broker's client relationship — your clients stay yours.
Have questions? Talk to a real person.
Our Canadian team helps borrowers, brokers and investors every day — reach out and we'll point you the right way.