Thank-you for your interest in Home Deposits Now. Our program is not available at the moment. We are upgrading our systems to fulfill an underwriting mandate of becoming by referral-only. If you are a lender, mortgage brokerage or other real estate professional who would like to be considered as a referral partner, please let us know at:
We are sorry for the inconvenience.

Welcome to Agent Hub

Join the Agent Hub as a Preferred Partner and access our innovative service on the Canadian home buyer’s market to unlock your clients' deposit power by leveraging their existing home equity. Get bigger deposits, faster, and close more deals with our all new Agent Portal.

Create your free account to provide your clients with Home Deposits Now invitations, track your home deposits, and save yourself time and hassle.

No chasing cheques, no bank visits, no traffic jams.

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Join Our Agent Hub for Exclusive Benefits

Claim your custom URL, access our deposit dashboards, and send quotes with customized cost comparisons to your clients - instantly.

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Why Partner with Home Deposits Now?

green check Faster Deposits

green check Larger Deposits

green check Deposits Available 24/7, 365

green check Deposits 'A' Rated

green check Better Client Experience

green check Flexibility

green check Great Alternative - Never Miss on Making the Offer


Save hundreds of dollars and hours of time vs traditional methods

Home Deposits Now Guarantees are quicker and easier than traditional methods of securing your home cash deposit.

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Up to $100,000
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Up to 9 months
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Approved in minutes
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Up to 10% of the home purchase price
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Make unlimited offers at no extra cost
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Reward MILES® on every Guarantee

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$1,000 $1,000 $100,000
1 Month 3 9 Months

Your Cost: $500

See how much you can save vs traditional deposit methods

Get your instant quote and cost comparison
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Benefits for Buying Realtors


Never miss an offer with instant approvals


Larger deposits available vs cash-only offers


Leave nothing to chance
We protect the seller 100% Home Deposits Now Protects the Seller 100%


Secure the deal faster using the magic of electronic mail


Customer experience leading to a fantastic relationship with your clients and new referrals


Make unlimited offers
At no extra cost to the client
Buyers can increase the amount or term instantly online if required to firm up the deal or extend the house hunt

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benefits for buying realtors

Benefits for Selling Realtors

better offers

More offers
Higher, guaranteed deposit for a home and you'll get more offers!

realtors efficiency

On the spot approvals and assurance

realtors security

Your customer is guaranteed to receive a pre-approved deposit leaving nothing to chance

realtors convenience

Secure the deal faster using the magic of electronic mail


There is absolutely no difference to the Sellers as they get their money from their Lawyer on closing

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benefits for selling realtors

Benefits to Mortgage Brokers


Easy to use dashboard


Stickier loan offers for client + realtor!

bigger offers

Bigger Offers
Bigger faster deposits position your client to win the first offer

more closes

More Closes
Increasing your closing ratio with a unique edge

brokers flexibilty

More finance options and flexibility for your clients

time saving

Easy - no running around for certified cheques

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benefits to brokers

Our Preferred Partners

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All Purpouse Realty
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Ready to get started?

Claim your custom URL, access our deposit dashboards, and send quotes with customized cost comparisons to your clients - instantly.

FAQs from Real Estate Professionals

What is a Home Deposit Guarantee?

A Home Deposit Guarantee is an Insurance Guarantee that the Buyer will pay the deposit along with the down payment at closing. If and in the event the Buyer defaults, the insurance company covers the deposit according to the terms of the guarantee.

What is the risk to the Agent or Broker?

There is no risk to the broker, in fact, because we’ve taken the liability of the cash handling away from the broker, we’ve reduced the risk of the deposit in the event the cheque or bank draft gets lost or misplaced, or if there is a fraudulent EFT. Home Deposit Now’s Guarantees comply with the same provincial rules and regulations, set down by the Real Estate Acts.

What happens if the Buyer defaults?

If the Buyer does not complete the sale, the Surety takes immediate direction from the Deposit Holder (typically the Sellers Listing Brokerage) to step in on behalf of the Buyer to make the Seller whole.

Home Deposits Now follows all Provincial Real Estate Regulations - the Buyer’s obligation to the Seller is the same as a cash deposit.

The Surety has the right to recover any losses that it suffers at the hands of the Buyer.

How do Home Deposit Guarantees work?

Once the buyer has completed the application, signed and paid, the guarantee will be issued immediately via email.

A copy will be sent to the Buyers & Sellers Realtor and the real estate lawyer, together with suggested addendum, to attach to the APS for the offer presentation.

How does a Home Deposit Guarantee work for the Seller’s Brokerage?

The Seller’s Realtor will deal with the Home Deposit Guarantee by:

  1. Entering the details of the guarantee on the trust ledger.
  2. Copy of the guarantee is attached to the trust ledger if necessary in lieu of a bank deposit receipt (RECO receipt) for a traditional cash deposit.
  3. There is no cash management requirement, and no interest calculations.
  4. It is recommended that the Listing Broker invoice the Sellers Lawyer for the full amount of the commission exactly as if the Lawyer is holding the deposit.

What happens when the deposit is a firm deposit?

When a Buyer’s offer is presented to the Listing Broker with a Deposit Guarantee, the offer is considered to be firm at the time it has been accepted by the Seller. This means that the deposit is firm and guaranteed, and the Buyer cannot get out of the deal.

With cash deposit, often a buyer has 24-48 hours to provide a certified cheque, bank draft, or cash transfer as the Deposit. In this case the Buyer has an opportunity to get out of the deal and not provide the Deposit, which means the Buyer has wiggle room which is not ideal for the seller or sellers agent.

Are credit checks, liens or registrations done on the title?


We do not do any credit checks, register a charge or lien on the Buyer’s properties, or charge interest.

This means we do not leave footprints on the Buyer’s credit file, which is good for Mortgage Brokers when getting the best deal for the Buyer. There are no monthly payments to worry about (just a simple one time fee).

What happens if my client’s offer is not the winning bidder?

A Home Deposit Guarantee will allow a Buyer to make as many offers using their Guarantee within its term, at no additional cost.

The Buyer can also extend the term and increase the amount by simply logging into their account, making the changes, and making a payment if extending the term.

Within minutes a new guarantee will be issued, a new offer can be made!

What if the Seller doesn’t accept the Home Deposit Guarantee?

As with any offer, the Seller is, of course, at liberty to do so.

We are a legal and valid deposit method licensed across Canada, with Quebec coming online soon. The Selling Realtor has a legal obligation to present every offer made to the Seller.

In the case of Seller rejection, we will allow the Buyers to use the Home Deposit Guarantee as many times as required until they make a successful offer on their new home.

Our Clients’ satisfaction is our number one priority.