Home Credits is a Canadian based Home Equity Loans company providing borrowers access to private mortgage funding. Our broker division helps mortgage professionals facilitate funding for their clients. Home Credits has positioned itself as a top tier Home Equity loan provider within the mortgage industry. We focus on markets with strong growth fundamentals, typically in urban cities across Canada. With a large group of investors, Home credits has been able to expand its lending parameters across the country. We started as a lending arm to facilitate private mortgages across Canada. After placing over $80M in private mortgages, Home Credits expanded it’s offering to private investors, allowing them to get involved in the mortgage industry.

All investments are fully secured against real estate. Every property is appraised by an CRA or AACI certified appraiser. Our highly experienced underwriting team reviews each of these investments. A borrower’s situation is analyzed and an exit strategy is crafted for each investment. Our private mortgage investing policy is to be completely transparent to our investors. Therefore, we provide financial statements to our investors, as well as a customer service experience that is unparalleled in the industry.

We thoroughly analyze every application that is submitted to Home Credits. In addition, each deal goes through a thorough screening process before being presented to any of our investors. We work with only hand picked accredited appraisers and real estate lawyers. Therefore, we make sure all the due diligence is completed for you.

With the hot housing markets in areas such as the GTA and Vancouver, many borrowers seek money from Home Credits to purchase homes or bridge gaps in funding. We have a maximum loan-to-value of 75% in certain geographical areas in each province. Home Credits primarily invests in First Mortgages and Second Mortgages located in urban cities. However, we will consider rural locations at a lower loan-to-value of 65% to maximize security.