Direct private lending — and your client stays yours
Home Credits is a direct private lender for mortgage brokers. Submit your deals knowing your client relationship is protected. We fund the deal — we never poach your client.
- Brokers are protected — we never solicit your clients
- 24-hour commitment on most files
- Fast funding and clear, simple terms
- White-glove, broker-first service
Licensed in ON · AB · BC · NS
Built to protect the broker
When you send a deal to Home Credits, the relationship stays where it belongs — with you.
Your client is protected
We are a lender, not a competitor. Your client relationship is never solicited, cross-sold, or poached. Full stop.
24-hour commitments
We respect your timelines. Most submitted deals receive a commitment decision within 24 hours.
Fast, reliable funding
Clear commitments and prompt funding on every deal, so you can close on time and keep your client happy.
Common-sense underwriting
Equity-based lending that looks at the whole story. Tough files and unique situations are our specialty.
Clear, simple terms
Transparent commitments with no hidden conditions, so you can set the right expectations with your client.
White-glove service
A dedicated, broker-first team that picks up the phone and works your deal alongside you.
How deal submission works
From submission to funding in a few simple steps.
-
01
Submit the deal
Email your deal to deals@homecredits.ca or use the form below with the basics — property, request, and borrower summary.
-
02
Fast review
Our team reviews the file and reaches out within 24 hours, often the same day.
-
03
Commitment issued
We issue a clear commitment with straightforward terms you can take back to your client.
-
04
Close with confidence
Lawyers complete registration, the deal closes on time, and your client relationship stays protected throughout.
Submit a deal
Send us the basics and we will get back to you within 24 hours. Prefer email? Send your deal to deals@homecredits.ca.
Have a deal that needs a fast yes?
Submit it now or call us at 1-888-777-9002. We are ready when you are.