🔎 Try our FREE mortgage search engine

Home Trust mortgage rates

Save money on your mortgage by signing up for Canada's most intuitive homeownership platform. Get 1:1 support, 7 days a week.

Lock in your best mortgage rate before it's too late.

Perch makes it easy to find the best mortgage rates in Canada. Our rates are updated daily, to ensure you have the most current information.

Finding the Lowest Mortgage Rates...

Home Trust mortgage information

Home Trust has been serving Canadians since 1987 and is Canada’s largest independent trust company. Home Bank is a wholly owned subsidiary of Home Trust Company. Home Trust is a wholly owned subsidiary of Home Capital Group Inc., a public company that trades on the Toronto Stock Exchange (TSX) under the symbol HCG. Their head office is located in Toronto, Canada, with branch offices in Vancouver, Calgary, Montreal, Halifax and Winnipeg.

Some of their services include:

  • Residential and commercial mortgages
  • Credit cards
  • Deposits and retail lending

What services does Home Trust provide?

Home Trust offers a wide range of financial services which include deposits, residential mortgages, commercial mortgages and Visa cards. Deposits are also offered through Home Bank, a wholly owned subsidiary of Home Trust Company.

What is a B lender mortgage?

A B lender mortgage is any mortgage funded through a non-traditional bank or lending sources but is still governed by B-20 guidelines. B lenders include Trust Companies, tier B banks, monoline institutions and credit unions. B lenders will cater to borrowers who don’t fit within the guidelines of an A lender, such as those with low credit, non-qualifying income or other challenges that could cause them to be declined by an A lender.

What are the types of Home Trust mortgages?

Home Trust has a “Classic” mortgage product which is ideal for homeowners who might not fit the typical mortgage lending criteria. This type of mortgage would be ideal for those who are self-employed, are experiencing financial difficulties or have limited established credit history. For conventional uninsured (Classic) mortgages, they offer both fixed and variable rate mortgages. They also have the “Accelerator” mortgage product which is suitable for those with established credit who are looking to purchase or switch their mortgage. This type of mortgage might be right for you if you are a first-time home buyer, are purchasing a home, have an established credit history or are new to Canada. For high ratio insured (Accelerator) mortgages, Home Trust offers a fixed rate. Fixed or variable interest rates are determined by your credit rating and overall financials.

Are Home Trust mortgage rates higher or lower than other banks and lenders?

Rates tend to vary depending on a multitude of factors such as down payment and Loan to Value, term length, and intention for the property, rather than lender to lender. It’s important to shop around and compare mortgage rates from multiple lenders so you can find the best mortgage rate for you.

How do I get a mortgage from Home Trust?

In order to get a mortgage from Home Trust, you will have to work with your mortgage broker. Your mortgage broker will help you negotiate with your chosen lender to help you get the best rate.

How can I renew my Home Trust mortgage?

Home Trust will send you a renewal offer via mail 45 days prior to your maturity date. The renewal offer will tell you the rates and terms they are prepared to offer. You will also be provided the name and contact information of your dedicated renewal specialist so you may contact them if you have any questions about your renewal.

How do I view my mortgage statement from Home Trust?

Home Trust does not currently offer online access to mortgage information. You can contact their Mortgage Customer Service at 1-855-270-3630 Monday to Friday from 8:00am to 10:00pm and Saturday from 9:00am to 5:00pm ET for information regarding your mortgage. Home Trust offers a year-end statement that will be mailed to you by the end of January for the previous year. The annual mortgage statement provides the following information:

  • Outstanding balance on January 1 and December 31 of the statement year
  • Interest rate
  • Maturity date
  • Payment frequency
  • Principal and interest component of mortgage payment
  • Property tax component of mortgage payment
  • Life insurance component of mortgage payment (if applicable)
  • Total mortgage payment
  • Mortgage summary, which includes principal paid, interest paid and fees
  • Summary of Property Tax account (if Home Trust is responsible for paying property tax): tax balance as of December 31st of the previous year, payments received during the current year, taxes paid during the current year and interest and adjustments.
  • Life insurance summary (if applicable)

How can I view Home Trust mortgage offers?

You can view Home Trust mortgage offers by using our Pathfinder tool. This tool will allow you to quickly see your available mortgage offers in just a few clicks.

B2B Bank

CMLS Financial

Canadian Western Bank


Equitable Bank

First National

Home Trust





MERIX Financial

Radius Financial


RMG Mortgages


Strive Financial

TD Bank

XMC Mortgage Corporation

What users are saying on

Get started in 5 minutes and lock in your low rate.

Check out these helpful articles

Should You Apply for the First Time Homebuyer’s Incentive?


Starting in 2019, Canadian first-time home buyers were able to apply for a special incentive.

Read more →

The Ultimate Perch Guide to Buying a Home


We break down the entire home buying process step-by-step.

Read more →