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Canada’s Most Established Rent To Own / Power Of Sale Specialists

HOS Financial Inc, established in 2005, is Canada’s largest and most established Lease Purchase (Rent to Own) company.Our Rent to Own / Power of Sale Solutions are designed to help families achieve their financial goals when Traditional Mortgage products are not available due to things like

Insufficient Down Payment

Damaged/Bruised Credit

Undeclared or Business for Self-Income

New to Canada

Unexpected Life Events.

Power of Sale

Getting on the Path to Homeownership

HOS Has Been Committed to Providing Affordable Housing Solutions to
Over 1,000 Families Across Canada Since 2005

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Initiated Projects
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Years in Business
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Combined Project Value
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Years of Rent to Own Experience

Homeownership Services & Solutions

If you have been declined by the Banks, we have options.
If you have been denied because of credit or income or low deposit, we have solutions.

RENT TO OWN / LEASE TO OWN

No matter where your Credit Score is today, you can still qualify for one of our revolutionary Rent To Own. At HOS Financial, we understand that circumstances in life can change in a blink, and we are here to help.

RESCUE-REFI

It is a frightening experience to have suffered a financial setback and now your Bank wants to take your home.  What do you do to stop power of sale from occurring? HOS Rescu-Refi Program provides deserving clients with a way through.

PATH TO HOMEOWNERSHIP

When you join our Path to Homeownership family, you will have access to a group of financial experts and solutions such as credit management and to a library of financial resources to help you become a homeowner.

CREDIT MANAGEMENT

This service provides guidance to improve your overall finances using real-time data from your existing credit report and financial data, we will guide you into the best financial position helping you to achieve your credit goals. 

INVESTOR RELATIONS

For the past 16 years, we have cultivated a group of trusted investors who we have reliably delivered value to. Our Investor trust us to provide them with services that helps them improve their R.O.I

Why People Choose HOS For Rent to Own

Your Path to Homeownership Program are designed to ensure you receive the most accurate, up-to-date, unbiased, and easy to understand information needed for “You” to become a Homeowner, now or in the future

Our Rent to Own Educational Course is for people who want to Own a home in the future and are dedicated to overcoming the hurdles which prevent them from achieving that goal today.

90% of the applications we receive, people need help and time positioning their Credit Score and Profile to meet bank guidelines so they can achieve Home Ownership in the future.

APPLICANTS WITH CREDIT CHALLENGES 95%
BUYERS WITH DEBT CHALLENGES 80%
CLIENTS DENIED BY THE BANK FOR A MORTGAGE 95%
CLIENTS DENIED BY THE BANK FOR A MORTGAGE 95%
PEOPLE WITH LOW TO NO DOWNPAYMENT 80%
RENTERS WITH DOWNPAYMENT BUT WITH POOR CREDIT 85%
PEOPLE WHO MEET OUR RENT TO OWN REQUIREMENTS 70%
Lenders are tightening their lending rules. Making it difficult to Buy!
Rent to Own has been a trusted alternative to homeownership.
The longer you rent, the harder it will be to buy. Home values are growing faster then your ability to save.
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Lenders are tightening their lending rules. Making it difficult to Buy!
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Rent to Own has been a trusted alternative to homeownership.
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The longer you rent, the harder it will be to buy. Home values are growing faster then your ability to save.

Real Estate, Credit & Financial Education Coaching Services

Your Path to Homeownership

Where you start on your Path to Homeownership will depend where you are on that path today.

Our Path to Homeownership Program provides deserving families with a structured process and plan to become a homeowner. Whether you are just starting to look for a home, we can help.

If you have been declined by the Banks, we have options. If you have been denied because of credit or income or low deposit, we have solutions. Regardless of where you are on your path to homeownership we have a solution to help you become a homeowner.

When you join our Path to Homeownership family, you will have access to a group of financial experts and solutions such as credit management, mortgage, real estate, debt management, wealth building, rent to own and access to a library of financial resources to help you become a homeowner.

REGISTER HERE

Our Management Team

HOS Financial is the longest running and most established Rent To Own Program in Canada. We are a Diamond Member of CAROP and holds a A+ Rating with the Better Business Bureau (BBB). Our is passionate about people and Rent to Own

  • Jeff Belanger
    Chief Operating Officer
    With over 20 years experience as a Business Solutions Consultant, with a demonstrated history of dedication for seeing his team be successful. His passion and enthusiasm for helping people is contagious.
  • Guy Lew
    Chief Commercial Officer
    Guy is passionate about helping people use Rent to Own to purchase a home. As a experienced Mortgage Broker, with over 30 years experience, he has helped thousands of people find their dream home.
  • Terry Hepditch
    Chief Executive Officer
    With extensive and experience with Mortgages, Credit and Debt management, Terry has a proven track record of producing and achieving results. He is a passion for Rent to Own
  • Dale Tidd
    Chief Marketing Officer
    For more than 25 years, Dale has honed and sharpened his professional sales, marketing and technology sales skills by providing his service to over 1500 companies. For the past 20 years, he has helped hundreds of people become homeowners.

    What Our Client Say About US

    Hi Jeff: Rob & I agree that anything we can do to assist you is no problem for us.  We feel very indebted to you, Terry and Darren.  Without you we would have lost our home.

    Rob & Lynn Burtch

    I’ve leased this house for the past five years, and I’ve been able to offer a beautiful home and sadly my final farewells to Carter, Ruby and Ula. Echo, the youngest, loves the only home she probably remembers. 

    Virginia Storey

    So nice to hear from you. I would be more than happy to help out after everything you guys did for me. What would you like from me and when would you like it? I don’t have zoom but I can probably figure it out.

    Carla Hunt

    Our Partners and Service Providers

    Latest Blog Posts

    Get the latest and most current Rent to Own / Lease to Own Services, Mortgage, Credit and Real Estate Solutions

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    Who Is Responsible For Property Taxes On A Foreclosure

    Who is responsible for property taxes on a foreclosure? The answer is, it depends. For homeowners who would like to keep their homes (by “redeeming” the mortgage during the 6......Read More
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    Power of Sale Foreclosure

    Power of Sale vs Foreclosure

    If you own a home but are not familiar with real estate law, the differences between Power of Sale and Foreclosure can be confusing. If you are also in financial......Read More
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    Difference between foreclosure and power of sale

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    Can A Foreclosure Be Reversed

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    July 28, 2021
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    Foreclosure vs bankruptcy which is worse

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    July 28, 2021
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    How do foreclosures affect property values

    How do foreclosures affect property values? For Canadian owners, little data is available, but looking south the answer is quite clear: a foreclosure slightly but definitely reduces the value of......Read More
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