Rent To Own / Power Of Sale escape specialists

HOS Financial Inc, established in 2005, is Canada’s largest and most established 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 or Equity

Bruised Credit

Undeclared or Business for Self-Income

New to Canada

Unexpected Life Events.

Power of Sale

Getting on "your" Path to Homeownership

HOS Financial, through it's Path to Homeownership program, has helped over 1,150 Families across Canada Since 2005!!

+
Initiated Projects
+
Years in Business
$
Combined Project Value
+
%

Exit Success

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.

PATH TO HOMEOWNERSHIP

rsz rent  to own

When you join our “Path to Homeownership” program you become family! With your personally designed program, you will access to the resources and industry experts needed to help you navigate the custom path we design for your Family!

The valuable financial resources provided to your Family will not only ensure you become a future homeowner,  they will make your financial future much bright for years to come!

CREDIT MANAGEMENT

AdobeStock  scaled

This service will be part of your Path to Homeownership program. This section of your program offers guidance and education to help you improve your overall financial profile. We analyze real-time data originating from your existing credit report to offer action steps to boost your Credit Score and overall Credit Profile. 

With a great credit score and profile, you will have easier access to things like:

  • Lower interest rates on car loans, credit cards and mortgages
  • Better car and home insurance Premiums
  • Utility Services
  • Cell phone packages without having to pay a security deposit
  • Look better to potential employers
  • Plus more!

Let us help you improve your overall lifestyle with better credit!

INVESTOR RELATIONS

rsz hos rent to own investor

For the past 16 years, we have cultivated a group of trusted investors are “socially aware” and who we have reliably delivered value to our tenants.

Our Investors trust us to provide them with services which help them help more families!

Get comfort in knowing you are being matched with individuals who have a common goal…to help you become a home owner soon!

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%

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 hold an A+ Rating with the Better Business Bureau (BBB). We are passionate about our team and Rent to Own.

  • Jeff Belanger
    Chief Operating Officer
    Jeff brings over 20 years experience as a Business Solutions Consultant.

    Jeff has a been active in the Rent to Own and Real Estate Investing since 2008 and is extremely knowledgeable in both areas.

    Jeff currently holds a Board of Director Position with CAROP (The Canadian Association of Rent to Own Professionals and recently spent significant time with a lobbying group to help shape the Federal Government’s Rent to Own program they plan to bring to market.

    Jeff’s passion and enthusiasm for helping people is contagious.

    When you call HOS Financial and connect with Jeff, you are able to access a wealth of Knowledge and Experience!

  • Guy Lew
    Chief Commercial Officer
    We refer to Guy as the Grandfather of Rent to Own. Not because of his age but because of his experience in this industry!

    Guy has been active in Rent to Own since 2002 and has been instrumental in introducing Rent To Own to the Mortgage and Real Estate Industries in Canada!

    Guy was one of the first Directors on the Board of CAROP and has helped shape the Rent to Own Industry in Canada.

    Guy is extremely passionate about helping people use Rent to Own to purchase a home.

    Guy has been a Financial Solutions provider for many years and is well known in the Mortgage and Rent to Own Industries!

    30 Years of Experience is extremely valuable!

    Terry
  • Terry Hepditch
    Chief Executive Officer
    Terry comes from a Finance Background.

    Over the years, Terry has lead Mortgage Teams, headed Credit management and improvement Initiatives as a consultant and has acquired extensive knowledge and experience with Rent to Own and Real Estate Investing.

    Terry held the President’s Chair with CAROP and was a a Board Member for 4 years.

    Terry has a proven track record of producing and achieving results for Families.

    Terry’s Passion for Helping Families and Rent to Own will make your experience with HOS Financial an enjoyable one!

    What clients say about our Home Owner Soon Rent to Own program...

    rsz adobestock  scaled

    A Big thank-you to the team at HOS Financial.  We feel very indebted to you.  Without  your help we would have lost our home.

    Rob & Lyn B., Brantford, ON

    rsz adobestock

    When my landlord suggested he was going to sell the home we lived in for 5 years, HOS Financial was there to help us purchase the home when my bank said “no”.  The Home Owner Soon Program allowed my children to stay in the only home they have ever known. A big THANK YOU to the entire HOS Family. We are forever grateful!

    Virginia S, Toronto, ON

    rsz adobestock

    We were just about ready to throw in the towel.  Everywhere we looked for help we were turned away. Then, we were introduced to the Home Owner Soon Program.  Today, we are proud homeowners and thankful to the team at HOS Financial for all their support!

    Carla H., Brampton, ON

    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

    +
    Rent to Own Homes Process,

    Can I Rent to Own with Bad Credit?

    The short answer is, yes!  If you’re an aspiring homeowner that lacks the credit and/or capital to qualify for a traditional mortgage, renting to own might just be for you. ...Read More
    February 8, 2022
    +
    Rent to Own Homes Process,

    The Pros and Cons of Rent-to-Own Homes

    As the real estate market continues to be impacted by rising interest rates, inflation, and most of all, the COVID-19 Pandemic, more and more citizens are looking for alternative ways...Read More
    February 8, 2022
    +
    Rent to Own Homes Process,

    Is There a Catch to Rent-to-Own Homes

    The short answer? NO…not with properly structured programs! Rent-to-Own Homes can be extremely beneficial under the right circumstances and they shouldn’t be viewed as inherently deceptive because, well, they’re not....Read More
    February 4, 2022
    +
    Rent to Own Homes Process,

    Is It a Good Idea to do Rent-to-Own?

    The question of whether or not it’s a good idea to sign a rent-to-own agreement is the wrong question to be asked. The better question is “is a rent-to-own home...Read More
    February 2, 2022
    + home owner
    Rent to Own Homes Process,

    What are the Advantages of Rent-to-Own Homes?

    What is a Rent-to-Own Home? Simply put, a rent-to-own home is a contractual lease agreement that allows tenants to presently rent the property at a fixed rate while providing them...Read More
    January 25, 2022
    + home owner
    Rent to Own Homes Process,

    What is Rent-to-Own?

    The real estate market in Canada is on a never-ending trajectory (so it seems) towards the sky, with no end in sight of slowing down. While this is great news...Read More
    January 25, 2022