Last updated: June 2026
Welcome to the Home Credits website. These Terms of Use (“Terms”) govern your access to and use of our website and its content. By using the site, you agree to these Terms. If you do not agree, please do not use the site.
1. About Home Credits
Home Credits is a government-licensed, equity-based private mortgage lender serving Ontario, Alberta, British Columbia and Nova Scotia (FSRA Licence #13682 in Ontario). The website provides general information about our products and services and lets you contact us or submit a request.
2. Use of the website
You agree to use the website only for lawful purposes and in a way that does not infringe the rights of, or restrict or inhibit the use of the website by, anyone else. You agree not to:
- Use the site in any way that breaches applicable laws or regulations;
- Attempt to gain unauthorized access to the site, its servers or any connected systems;
- Introduce malicious code, or interfere with the proper working of the site;
- Copy, reproduce or redistribute content from the site except as permitted below.
3. No financial advice
The information on this website is provided for general informational purposes only. It is not financial, legal, tax or other professional advice, and it should not be relied on as such. Mortgage products, rates and terms are subject to qualification, application and approval, and may change without notice. You should obtain advice tailored to your specific circumstances before making any financial decision.
4. No guarantee of approval
Submitting an inquiry, application or request through the website does not create a commitment to lend or invest, and does not guarantee approval or any particular rate or term. All applications are subject to our underwriting, verification and the satisfaction of conditions.
5. Intellectual property
Unless otherwise noted, the content on this website — including text, graphics, logos, images and design — is owned by or licensed to Home Credits and is protected by applicable intellectual property laws. You may view and print pages for your own personal, non-commercial use. You may not otherwise reproduce, distribute or create derivative works from our content without our prior written permission.
6. Third-party links
The website may contain links to third-party websites and resources. These links are provided for your convenience only. We do not control and are not responsible for the content, products or practices of any third-party site, and a link does not imply our endorsement.
7. Forms and submissions
When you submit information through a form on the website, you confirm that the information you provide is accurate and that you have the right to provide it. Information you submit is handled in accordance with our Privacy Policy.
8. Limitation of liability
The website and its content are provided “as is” and “as available” without warranties of any kind, whether express or implied. To the fullest extent permitted by law, Home Credits will not be liable for any direct, indirect, incidental, consequential or other damages arising out of or in connection with your use of, or inability to use, the website or its content.
9. Changes to these Terms
We may update these Terms from time to time. The “last updated” date above reflects the most recent revision, and your continued use of the website after changes are posted means you accept the revised Terms.
10. Governing law
These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable there, without regard to conflict-of-laws principles.
11. Contact us
If you have questions about these Terms, contact us at:
Home Credits
Email: info@homecredits.ca
Phone: 1-888-777-9002
Ontario, Canada