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.
Apply now
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.
Learn more >
Renew your mortgage
Home Trust offers flexible mortgage renewal options to our existing mortgage customers.
Learn more >
Since 1977, we have committed to delivering exceptional service and offering products that meet the unique needs of our current and future clients. Whether you are buying your first home, looking to refinance, or exploring renewal options, we take time to listen, consider the facts, and provide solutions that work for you.
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.
Mortgage rates
Visit our mortgage rates pages for our list of posted prime 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.
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