Get more out of owning your home

The Equityline Visa* gives access to your home equity with the convenience of a Visa card and low rates
Apply now

This credit card product is not available in Quebec

Key features and benefits

High credit card limits

Use your home equity to secure anywhere from $10,000 to $1,000,000 in revolving credit

Low interest rates

Rates vary between 5.99%–14.99%1, depending on applicant’s credit

Convenient Visa card access

Get flexibility of accessing higher revolving limits with the convenience of a Visa credit card

Worldwide acceptance

Visa offers a secure and reliable method of payment in 200+ countries and territories

CashBack Rewards

Earn 1% cash back3 on all eligible purchases to get more out of your everyday spending

Purchase Security

Insures eligible items4 against theft or damage for 90 days from the date of purchase

No foreign exchange fees

Pay no exchange fees2 on foreign currency transactions — even when you shop online

No annual fee

All the benefits of the Home Trust Equityline Visa are yours for no annual fee

No prepayment penalty  

Save money when paying off the entire balance of your account without incurring a prepayment penalty

Interest savings calculator

Use your Home Trust Equityline Visa to consolidate debt. Enter the current debt amount you would like to consolidate and the interest rate to see how much you could save on an annual basis.

How much can you save?
Use this calculator to determine how much you can save on your annual interest payments by consolidating your debts into an Equityline Visa card:

Your interest savings with the EquityLine Visa:

Annual savings
at 9.99%:


Minimum monthly payment at 1%:


Annual interest:


Current interest cost


Equityline Visa

This calculator is provided for illustrative purposes only. No representation or warranty is made as to the accuracy, applicability or in relation to the savings that will be realized in any particular case. Savings will depend on your existing levels of credit card debt, the interest rates applicable to that debt, and on credit worthiness.

® Registered trademark of Home Trust Company.
*Visa Int./Home Trust Company, licensed user of mark.
1 Interest rate varies, depending on real estate collateral and borrower’s credit.
2Foreign currency transactions are converted at the exchange rate set by Visa International, without additional surcharge.
3Cash advances, balance transfers, interest, fees and foreign transactions (including online purchases in foreign currencies) are not eligible for CashBack Rewards.
4Purchase Security insurance is underwritten by Chubb Insurance Company of Canada. Complete terms and conditions are outlined in the Certificate of Insurance provided with your card.