Home TrustMortgages
Residential mortgage solutions
Financing for every stage of your homeownership journey
Making homeownership possible
Our approach to lending makes Home Trust different. We take the time to listen, look at all the facts and then offer prudent lending solutions and exceptional service that are tailored to our customers’ financial situations. At Home Trust, your story matters.
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We do not offer pre-approvals at this time
What would you like to do?
Purchase a home
Choose from a full range of mortgage options that fit your budget.
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Refinance your home
We’ll help you find the refinancing option that’s right for you.
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Renew your mortgage
Home Trust offers flexible mortgage renewal options to our existing mortgage customers.
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Our mortgage products

At Home Trust, we know that everyone’s financial situation and goals are unique. We offer a range of mortgage and financing options to meet a variety of needs, whether you’re just starting out or ready to start planning your next chapter.
Accelerator Mortgage

Our prime mortgage product is ideal for borrowers with established credit looking to purchase or switch their mortgage.

  • Up to 95% loan-to-value
  • Amortizations up to 30 years when applicable
  • Portable and assumable
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Classic Mortgage

Our alternative mortgage product is ideal for borrowers who do not fit typical mortgage lending criteria.

  • Up to 80% loan-to-value
  • Amortizations up to 30 years
  • No minimum FICO score required
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Equityline® Visa*

Our high-limit Visa credit card secured by a mortgage, allowing access to home equity with the convenience of a revolving credit limit.

  • Credit limits up to $1,000,000
  • No annual fee, no foreign exchange fees
  • Portable and assumable
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EquityAccess Reverse Mortgage**

Our reverse mortgage enables borrowers to unlock home equity with tax-free and payment-free funds.

  • Designed for homeowners aged 55+
  • Access up to 59% of your home’s value
  • Options for lump-sum or scheduled advances
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One Charge

Combine our Classic Mortgage and Equityline Visa with one easy application for greater flexibility.

  • One application and setup cost
  • Flexible access to home equity
  • No minimum FICO score required
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Mortgage insurance
Mortgage default insurance, commonly referred to as “mortgage insurance” helps Canadians buy a home sooner and with a lower down payment. This insurance protects both the lender and the borrower in the event of a default.
Learn more about mortgage insurance >
Mortgage rates
Visit our mortgage rates pages for our list of posted prime rates.
View our rates >
Helpful resources
Mortgage documents
These tools and resources guide you along your exciting journey to home ownership.
Mortgage payment calculator
Use our online calculator to learn what mortgage payment structure makes the most sense for your situation by calculating your estimated mortgage payment amount.
Costs to consider
When purchasing or refinancing a property, costs like appraisal fees and land transfer tax should be considered when assessing your budget and cash requirements.
Mortgage document checklist
Take some of the guesswork out of beginning your home ownership journey with this handy checklist of documents often required to help ensure your application and closing go as smoothly as possible.
Frequently asked questions
Browse our list of frequently asked questions about all aspects of your home buying journey, including eligibility, mortgage renewal, refinancing, and mortgage maintenance.
First time home buyers checklist
If you’re ready to take the leap into homeownership for the first time, ask yourself the following questions. If you checked all or most of the boxes, then you may be well on your way to starting your homeownership journey!
Home Trust blog
Visit and subscribe to our blog for ideas for your home, personal finance tips, and ways to get more out of life at home.
Ready to apply?
We’re ready to help make your home ownership dreams a reality.
Apply now
We do not offer pre-approvals at this time

* Visa Int./Home Trust Company, licensed user of mark. This product is not available in Quebec.
** This product is available in select provinces only.