Your private mortgage partner in Canada
Home Credits is a Canadian home equity and private mortgage firm based in Ontario. We help homeowners, brokers and investors with simplified mortgage solutions built on trust, transparency and speed.
- Government-licensed, equity-based private lender
- One trusted partner for borrowers, brokers and investors
- Backed by a strong network of private investors
- Honest terms, clear communication and fast answers
Licensed in ON · AB · BC · NS
Our story
Built as a lender, grown into a full private mortgage firm.
Home Credits is a Canadian home equity lending company that gives borrowers access to private mortgage funding, while our broker division helps mortgage professionals secure funding for their clients. We’ve positioned ourselves as a top-tier home equity lender, focusing on urban markets with strong growth fundamentals. Backed by a large group of investors, we’ve expanded our lending across Alberta, British Columbia, Ontario and Nova Scotia. After placing over $80 million in private mortgages, we opened our offering to private investors — giving them a way to take part in the mortgage industry.
Our mission & values
Everything we do comes back to relationships, transparency, and getting it right.
Relationships first
We focus on building long-term relationships and helping our clients and investors reach their goals.
Transparency
We keep investors informed with clear financial statements and responsive service, and we keep terms honest for borrowers.
Diligence
Thorough due diligence and careful analysis on every application protect everyone involved.
Speed
We move quickly — approvals in as little as 24 hours — because timing matters.
People over scores
We look at the whole picture, helping Canadians the banks often turn away.
Proudly Canadian
Rooted in Ontario, serving clients in Alberta, British Columbia and Nova Scotia too.
Licensed and regulated
Home Credits is licensed in Ontario, Alberta, British Columbia and Nova Scotia. FSRA #13682 is our Ontario license. We work with CRA or AACI certified appraisers and accredited real estate lawyers on every file.
Find your path
Three ways to work with Home Credits.
Let's talk
Reach our team at 1-888-777-9002 or info@homecredits.ca.