Terms & Conditions
Effective Date: 01/26/2026
Welcome to HomeSecured Loans (“we,” “our,” or “us”). By accessing or using our website and services, you agree to comply with and be bound by the following Terms & Conditions. Please read them carefully.
1. Use of Our Website
- The content and information on this website are for general informational purposes only.
- You agree to use this website for lawful purposes and not engage in any activity that could harm the website, its users, or the company.
- We reserve the right to modify or discontinue any aspect of the website at any time without prior notice.
2. Eligibility
- By using our services, you confirm that you are of legal age to enter into a binding contract in your province or territory.
- Our services are intended for Canadian residents who meet our lending criteria, including homeowners with sufficient equity and self-employed or business-owner clients.
3. Loan Services
- HomeSecured Loans provides private, secured mortgage loans, including first and second mortgages, short-term, and bridge financing.
- Loan approvals are equity-based, primarily depending on property value and loan-to-value ratio, not traditional bank underwriting.
- All loans are legally registered on title through qualified lawyers.
- We do not operate as a bank and do not accept public deposits.
4. Application Process
- Submitting an application does not guarantee loan approval. Each application is subject to property review, title search, and legal requirements.
- You must provide accurate, complete, and truthful information in your application.
- We reserve the right to request additional documentation to process your application.
5. Privacy and Confidentiality
Your personal and financial information will be collected, used, and protected in accordance with our Privacy Policy. By using our services, you consent to our collection and use of your information for loan processing and legal requirements.
6. Website Content and Intellectual Property
- All content on this website, including text, graphics, logos, and images, is owned by HomeSecured Loans or its licensors and is protected by copyright laws.
- You may not copy, reproduce, distribute, or create derivative works without our written permission.
7. Disclaimers
- HomeSecured Loans makes no warranties or representations regarding the accuracy, reliability, or completeness of information on this website.
- All loans carry financial risk, and you are responsible for understanding the terms, rates, and conditions before applying.
- We are not responsible for losses arising from the use of this website or services.
8. Limitation of Liability
To the fullest extent permitted by law, HomeSecured Loans, its directors, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the website or services.
9. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of these external sites.
10. Changes to Terms
We reserve the right to update or revise these Terms & Conditions at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website or services constitutes your acceptance of any updated terms.
11. Governing Law
These Terms & Conditions are governed by and construed in accordance with the laws of the Province of Ontario, Canada. Any disputes arising from the use of this website or services will be subject to the exclusive jurisdiction of the courts in Ontario.
12. Contact Us
If you have any questions about these Terms & Conditions, please contact us:
Home Secured Loans
18681 Horseshow Hill Road, Caledon Village, ON - L7K 2B9
info@homesecuredloans.ca
(416) 846-6842
