Terry Hepditch

HOS Financial Inc.

Terry Hepditch is one of Canada's most experienced professionals in mortgage readiness, alternative homeownership, and consumer lending, bringing more than 35 years of experience in banking, mortgage financing, credit improvement, and structured homeownership programs.

After beginning his career in banking, Terry quickly advanced into leadership, becoming one of the youngest branch managers in his organization. Throughout his career, he has helped thousands of Canadians navigate financial challenges and build the knowledge, confidence, and financial foundation needed to achieve sustainable homeownership.

At HOS Financial, Terry leads the development and delivery of the Homeownership Pathway, working directly with aspiring homeowners to improve financial readiness, strengthen credit, establish realistic savings plans, and prepare families for long-term mortgage success.

His practical, compassionate approach has helped families overcome barriers that often prevent traditional mortgage approval, while ensuring that every participant follows a structured, responsible path toward homeownership.

Terry also works closely with investors, lending partners, and financial professionals to ensure each opportunity is built upon sound underwriting principles, affordability, and long-term sustainability. His philosophy is simple: homeownership should be earned through preparation, education, and accountability—and every family deserves a clear pathway to get there.