From Equity Financial to Haventree Bank: A Fresh Start for Borrowers Who Deserve One
Once known as Equity Financial Trust, this lender flipped the script in 2018 — rebranding as Haventree Bank and officially stepping into the ring as a Schedule I Canadian Bank. But this wasn’t just a name change. It was a mission reset.
Why? Because not everyone has spotless credit. And Haventree knows that.
Haventree Bank specializes in alternative mortgages for borrowers who’ve been sidelined by life — people with bruised credit due to job loss, illness, divorce, or other real-life setbacks. The kind of setbacks that the big banks treat like red flags.
But here’s the difference: Haventree doesn’t see bad credit — they see potential.
Their entire model is built to help Canadians rebuild. By providing flexible lending solutions today, they position their clients to graduate to prime lending tomorrow. It's not just a mortgage — it's a second chance.
Tired of “No”? Here’s a Lender That Says “Let’s Make It Work.”
Self-Employed? Bruised Credit? Investing in Rentals? Haventree Bank Says: Welcome.
If you’ve ever tried getting a mortgage as a self-employed Canadian, you already know the drill: hoops, headaches, and a whole lot of “no.”
That’s where Haventree Bank flips the script.
Known for being ridiculously easy to work with, Haventree doesn’t bury you in red tape. Instead, they’ve built a process that’s fast, flexible, and made for real people—especially the ones big banks ignore.
Why Borrowers Love Haventree
5 strengths that break the mold — so more borrowers get approved, without jumping through flaming hoops.
BFS Done Right
Finally, a lender that gets the self-employed. Real-world solutions for entrepreneurs, freelancers, and gig workers.
Rental-Friendly Financing
Up to 80% LTV on rental properties, perfect for investors scaling smart and fast.
No Minimum Credit Score
They look at the full story, not just your score. One of the most inclusive lenders in the game.
Post-Bankruptcy Friendly
Filed a consumer proposal or bankruptcy? They assess your file with fresh eyes - not a cookie cutter.
Simple Online Tools
From calculators to portals, their digital tools help you plan and manage without a spreadsheet degree.
TL;DR:Who’s Haventree For?
Self-employed homebuyers
Rental property investors
Borrowers with bruised credit
Anyone tired of hearing “no” from the big banks
Is Haventree the smartest move for your mortgage?
I’ll help you find out — no guesswork, just answers.
Thinking of Using Haventree? Here's What You Really Need to Know
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Got a property in mind? Haventree’s lending areas are based on the first 3 letters of the postal code (aka the FSA).
✅ Pro tip: Not every region qualifies—click here to check if your property's eligible . -
Oui. Yes. Both.
Haventree offers full bilingual servicing across Canada in English and French - making life easier for borrowers and brokers alike. -
This isn’t a one-strike-you’re-out lender.
✔️ Double bankruptcies?
✔️ Consumer proposals?
✔️ Even both?
They’ll look at the file case by case - no instant denials, no lazy underwriting. -
They offer both 1st and 2nd mortgages, making them a flexible partner for layered financing solutions or cash-out refis.
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Haventree is known as a short-term solution lender - typically offering 1- to 2-year terms.
Perfect for clients who just need a stepping stone before graduating to prime. -
They’re in the alternative lending space, but here’s the kicker:
Some of their rates aren’t far off from what you'd find at traditional banks—with way fewer hoops.
📞 Haventree Bank Contact & Helpful Tools
Looking to learn more about Haventree Bank or explore their mortgage options? Here’s the key info you need — no guesswork, no hassle.
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PO Box 1160, STN TD,
Toronto, ON M5K 1P2
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Toll-free: 1.855.272.0051
Note: Haventree works exclusively through mortgage brokers like me — calling them directly usually means they’ll refer you back to a broker.
F: 416.342.1095 -
Hours of Operation:
Monday – Friday: 8:00 AM – 8:00 PM EST
Saturday & Sunday: Closed -
www.haventreebank.com — Explore their programs, check eligibility, or use their handy Payment Calculator to estimate your monthly mortgage payments.
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