Home Trust Mortgage Rates


Home Trust

As of July 2, 2024

As of July 2, 2024

Term
Best Rates
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  • 1 Year Fixed

    7.84%

    Payment: $18,94/mo

    20/20 pre payment
  • 2 Year Fixed

    7.44%

    Payment: $18,94/mo

    -
  • 3 Year Fixed

    6.95%

    Payment: $18,94/mo

    -
  • 4 Year Fixed

    6.74%

    Payment: $18,94/mo

    -
  • 5 Year Fixed

    6.79%

    Payment: $18,94/mo

    -
  • 10 Year Fixed

    -

    Payment: -

    -
  • 5 Year Variable

    -

    Payment: -

    -

Home Trust Facts and Figures


Home Trust is one of the great success stories of the Canadian mortgage industry. Beginning as a very small provider with 3 employees in the 1990s, Home Trust has grown to over $10 Billion in assets and has pioneered a niche in Canadian, alternative and solutions-based lending. Home Trust mortgage rates are among the best for both of their business lines which include both b-mortgage lending and low rate mortgage rates through their Accelerator Program.

Home Trust Accelerator Program 

This program offers Home Trust mortgage rates to good credit clients with easily provable incomes. In general, these mortgage rates are very competitive but, at times are the best mortgage rates in Ontario and Canada. The Accelerator mortgages are mainly for home purchases and mortgage renewals, but not mortgage refinances.

The Home Trust mortgage fine print is flexible with 20% annual extra payments allowed, and the penalty to break can be relatively lower than of the big banks. Indeed the Accleraltor program rates should not be confused with the Alternative Mortgage rates offered by this lender.

Home Trust Alternative Mortgage Lending

This mortgage type is considered the ‘bread and butter’ of Home Trust and has approved well over 10,000 Canadian families over the years. The types of applications involve unique situations that the traditional big banks won’t approve. Although these mortgage rates are higher, for most they are a stepping stone that allows their clientele to graduate or renew into a lower rate mortgage over time.

Some of the situations that Home Trust can help with are:

  • Bad Credit
  • Self employment stated income
  • Bankruptcy in the recent past

For some, private mortgage lending may be thought of as the only answer. But Home Trust may come through with a much lower rate and with a repayment plan that fits the lifestyle of their client.

Home Trust and Mortgage Brokers

Home Trust works exclusively with mortgage brokers across Canada and does not have a branch network. They can also be contacted directly although they encourage working with their broker partners.

Commercial Mortgage Rates

Home Trust has a booming commercial mortgage division offering competitive commercial mortgage rates across Canada. For those seeking a commercial mortgage, the goal is to keep the cost of financing as low as possible to maximize the profitability of the project. Home Trust understands this and works to find a solution to help complete the project with a fair and reliable partnership approach.