It was a cold and snowy Canadian January in the year 2019. Don Miller, Home Deposits Now’s founder, was driving through the windy roads of Etobicoke, Ontario - flirting with the idea of a new house for his growing family.

Then it happened. He saw the one - a new home listing he loved so much he rushed his wife out to look at the house that same afternoon.

Of course, the sellers were taking offers the following day - competition was high and the stakes even higher. Both Don and his wife were enamored. Hearts were set.

To secure the necessary deposit Don’s brave and pregnant wife drove through a snowstorm to certify a cheque at the bank - all the while their realtor had to make a treacherous 2-hour drive through the white, unforgiving death of Canadian winter. Up hill - both ways.

After all that stress, effort, and time, they weren't the winning bidders. The offer and deposit were light and the cheque had to be delivered and re-deposited in the bank. Of course - this arduous and archaic paper check process would have to be repeated on all future offers.

Don thought: There has to be a better way! And - after researching Australia's deposit guarantee process - Home Deposits Now was born.

Luckily - Don already owned Ai Insurance Organization - a growing bonding and insurance brokerage which he has since expanded into a team of 40+, thousands of clients, and millions of insurance and surety bonding sales.

Don selected passionate and hardworking team members from the Ai to start the new venture in 2021.