Expand your thriving business
- Use the equity in your home to help fund expansion projects
- Make purchases with the convenience of a Visa credit card
Help secure your financial future
- Use the equity in your home to consolidate debt
- Combine your debts into manageable payments
Create the home of your dreams
- Use the Home Trust One Charge to access revolving credit to purchase your home and pay for necessary repairs
The Home Trust Equityline Visa is a credit card secured by a mortgage against the equity you have in your home. It offers competitive rates and high credit limits, with the convenient access of a credit card.
While a standard home equity line of credit – or “HELOC” – is a loan in the form of a revolving line of credit, the Home Trust Equityline Visa offers access to your home’s equity with all the benefits, convenience and security of a credit card with no annual fee. You can use your Equityline Visa to pay for big ticket items such as home renovations or travel, purchase supplies for your business, or use it for everyday spend to earn cash back on your purchases.
That’s right! The versatile benefits of the Home Trust Equityline Visa are all yours for no annual fee.
With the Home Trust Equityline Visa, you can use your home equity to secure anywhere from $20,000 to $1,000,000 in revolving credit at a low interest rate, without the need to refinance your current mortgage.
The Equityline Visa offers useful travel benefits such as no exchange fees on foreign currency purchases, whether you are spending while abroad or shopping online. With your Equityline Visa credit card, you can also request a guaranteed hotel reservation anywhere in the world and your room will be held for you even if you arrive late.
The Home Trust Equityline Visa is accepted wherever you see the Visa symbol across more than 200 countries and territories.
Yes, you use your Home Trust Equityline Visa together to make cash advance transactions at any ATM that displays the Visa or MasterCard logo. You can withdraw up to 100% of your credit limit, subject to additional service fees.
You have several layers of protection when using your Home Trust Equityline Visa. This includes:
- Purchase Security (underwritten by Chubb Insurance), which insures eligible items against theft or damage for 90 days from the date of purchase
- The Visa Zero Liability Policy, which protects you from someone making unauthorized purchases using your card number
- Verified by Visa, which enhances online shopping security by requiring a password to authorize your transactions
Yes, you can manage your Visa account easily and securely at any time, and from anywhere. Get your balance and view your transactions by enrolling in Home Trust Visa Online.
Yes, your Home Trust Equityline Visa is compatible with Apple Pay, Google Pay and Samsung Pay. Now you can pay faster – an added benefit on top of all the other great features of your card. You can learn more by visiting hometrust.ca/digitalwallet.
Please visit our Digital Wallet FAQs to find out how you can add your Home Trust Equityline Visa to your digital wallet
In the event your card is lost or stolen, you can get help 24 hours a day, seven days a week, from anywhere in the world by calling 1-800-847-2911 (International: 1-800-847-2113). A Visa representative will replace your card and get it in your hands as soon as possible.
For information about your Home Trust Equityline Visa, or for any questions about the features and benefits of your card, please contact customer service at 1-877-727-6883, Monday to Friday from 8:00 am to 8:00 pm EST.
1 Interest rate varies, depending on real estate collateral and borrower’s credit.
2 Foreign currency transactions are converted at the exchange rate set by Visa International, without additional surcharge.
3 Certain restrictions, limitations and exclusions apply. The Visa Zero Liability policy protects Visa cardholders who have a Canadian issued Visa card and experience fraud through unauthorized use of their card. Visit visa.ca for more information.
4 Purchase Security insurance is underwritten by Chubb Insurance Company of Canada. Complete terms and conditions are outlined in the Certificate of Insurance provided with your Home Trust Visa card.