Solutions you can trust
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Here’s why Home Trust is the leader in alternative mortgages.

We are
Reasonable.
We look at the story behind every file.
Learn how we helped a broker in Mississauga find the best mortgage solution for a first-time home buyer.
We are
Available.
We listen and respond to our broker partners.
Learn how we worked with a broker in Vancouver to help a client who experienced a shortfall just before closing.
We are
Reliable.
We keep our promises and offer deals that stick.
Learn how we worked with a broker in Hamilton with a client who had to delay his home purchase due to an unforeseen event.

Mortgage solutions that work for you

Our flagship alternative mortgage product is designed for borrowers who don’t meet our fit typical lending criteria.
Classic solution
A flexible offering that combines a Classic 1st mortgage with an Equityline® Visa**.

One charge solution
Our specialized HELOC-type product offers access to a home’s equity through the convenience of a Visa** credit card.

Equityline® Visa**
Fund a deal for a chance to win a $5,000 GIC!
For a limited time, we’re giving you a chance to win a long term non-redeemable $5,000 registered or non-registered GIC from our friends at Oaken Financial when you fund a deal!
Here’s what you need to know:
  • This contest begins at 12:01 am EDT on October 23, 2024 and ends at 11:59 pm EST on January 31, 2025.
  • Entrants are automatically entered upon funding of a Classic loan or Equityline Visa.
  • A random draw will be conducted from a pool of all eligible entries in February 2025.
  • The winner will receive one long-term non-redeemable $5,000 registered or non-registered GIC from Oaken Financial.
  • The rate will be the Oaken Financial posted rate on the date when the draw takes place.
  • This offer is subject to change without notice.
  • Click here for the Official Contest Rules and Regulations.
* Based on real scenarios, but details altered to protect identities.
® Registered trademark of Home Trust Company.
** Visa Int./Home Trust Company, licensed user mark