For Canadian Homeowners & Buyers

Get approved within as little as 24 hours

Buying a home or refinancing an existing mortgage? Home Credits is a leader in the alternative mortgage market, helping Canadians access the equity in their home regardless of their financial and credit situation.

  • Approved in as little as 24 hours
  • All credit types welcome
  • Funded in days
  • Self-employed & newcomers welcome
Apply NowCall 1-888-777-9002

Licensed in ON · AB · BC · NS

Home Credits mortgage heroes

Mortgage products

Flexible private mortgage solutions to fit where you are today.

First Mortgage

A private first mortgage when you need flexibility the banks cannot offer — for purchases, refinances, or unlocking equity.

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Second Mortgage

Tap into your home equity behind your existing first mortgage to consolidate debt, fund a project, or cover a short-term need.

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Third Mortgage

Additional financing secured against your home when first and second positions are already in place.

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We say yes when the banks say no

Whatever your situation, there is likely a Home Credits solution for it.

Bad or bruised credit

Past credit challenges do not disqualify you. We look at the whole picture, not just a score.

Self-employed

Hard-to-document income is no problem. We understand how entrepreneurs and business owners earn.

Tax arrears

Behind on taxes? We can help you use your home equity to clear CRA arrears and get back on track.

Debt consolidation

Roll high-interest debts into one manageable payment secured against your home.

New to Canada

Newcomers without an established Canadian credit history are welcome. We help you get started.

Renovations & projects

Access the equity you have built to fund renovations, repairs, or other major projects.

How it works

From application to funds in your account in a few simple steps.

  1. 01

    Apply

    Fill out a quick application or call us. There is no cost to apply.

  2. 02

    Get approved

    We review your file and can approve you in as little as 24 hours.

  3. 03

    Sign

    Review clear, straightforward terms and complete the paperwork with our team.

  4. 04

    Get funded

    Funds are deposited into your account within a few days of approval.

Apply now — it is free

Complete the form below and we will get back to you with next steps. Approvals in as little as 24 hours.

    Let's get you approved

    Apply online or call 1-888-777-9002 to speak with a real person today.

    Apply NowContact Us