Making home ownership possible
Home Trust takes pride in saying “Welcome Home” to current and prospective home owners in Canada, from every walk of life.
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We do not offer pre-approvals at this time
At Home Trust, your story matters.
Our mortgage products
Whether you have an established credit history in Canada, are a budding entrepreneur, or settling into the country as a proud new Canadian, we offer mortgage solutions that fit your financial needs. A mortgage broker can help you understand which of our products is right for you.
Our alternative (“Classic”) mortgage product is ideal for homeowners that do not meet or fit typical mortgage lending criteria.
This mortgage may be right for you if:
- You are self-employed
- You have experienced financial difficulties
- You have no or limited established credit history
Our prime (“Accelerator”) mortgage product is ideal for clients with established credit looking to purchase or switch their mortgage.
This mortgage may be right for you if:
- You are a first-time home buyer
- You are purchasing a home
- You have an established credit history
- You are new to Canada
We do not offer pre-approvals at this time
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.
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.