Home Trust Company
Is Part of RateShop Mortgage's Trusted Canadian Lender Network
Discover the best mortgage rates and lowest mortgage rates in Canada at RateShop. Compare Canada mortgage lending rates from top lenders to secure your ideal home loan deal today.
Home Trust Company: Your Path to Tailored Mortgage Solutions
Home Trust Company: Your Path to Tailored Mortgage Solutions
Overview of Home Trust Company as a Trusted Lender
Home Trust Company is a trusted financial institution in Canada, offering a wide range of mortgage products to help Canadians achieve their homeownership goals. As part of RateShop Mortgage's Trusted Canadian Lender Network, Home Trust Company provides access to some of the best mortgage rates in Canada, making it a top choice for homebuyers. Whether you're looking for Canada mortgage lending rates or specialized mortgage solutions, Home Trust Company combines reliability, flexibility, and customer-focused service to meet your needs. With a strong reputation for transparency and support, Home Trust Company is a leader in mortgage rates and Canada home financing.
Founded in 1977, has established itself as one of Canada’s premier alternative financial institutions. As a subsidiary of Home Capital Group, Home Trust focuses on serving borrowers with unique financial situations who may not qualify with traditional banks. With over $20 billion in assets under administration, it ranks as a top-tier alternative lender. Its partnership with RateShop Mortgages enhances its reach, providing customers with expert advice and access to tailored products.
Home Trust Company Mortgage Products and Options
Home Trust Company offers a variety of mortgage products tailored to suit different financial goals. From fixed-rate mortgages to variable-rate mortgages, Home Trust Company ensures flexibility and affordability. First-time homebuyers can benefit from specialized programs, while those looking to refinance the mortgage or access a home owner line of credit will find tailored solutions. Home Trust Company also provides brokered mortgage loans through its partnership with RateShop Mortgage, ensuring customers get access to the best mortgage rates in Canada. Whether you need a home loan rates Canada or a home equity line of credit, Home Trust Company has you covered.
Fixed-Rate Mortgages: Stable payments with locked-in rates for peace of mind.
Variable-Rate Mortgages: Benefit from market-based rate fluctuations.
Equity-Based Lending: For borrowers with significant home equity but limited income documentation.
Refinancing Options: Consolidate debt or access equity for personal projects.
Reverse Mortgages: Tailored for senior homeowners seeking financial flexibility.
Financing for mixed-use and multi-residential properties.
Mortgages for retail, office, and industrial spaces.
Development and construction loans for real estate projects.
First-Time Home Buyer Options: Flexible down payments and guidance through government incentives.
Stated Income Mortgages: Ideal for self-employed individuals or commission-based earners.
Newcomer Mortgages: Supporting recent immigrants with limited Canadian credit history.
Credit Rebuilding Mortgages: Designed for borrowers recovering from financial challenges.
Competitive Mortgage Rates and Offers
Home Trust Company is known for offering some of the best mortgage deals in Canada, including low mortgage rates in Ontario and best mortgage rates Ontario Canada. With options like best Canadian 5-year mortgage rates and best mortgage rates Canada 5-year fixed, Home Trust Company ensures affordability for long-term home financing. Their posted rate Canada is highly competitive, and customers can often access special promotions or discounts. Whether you're looking for the lowest mortgage rates Ontario Canada or cheap mortgage rates Ontario, Home Trust Company stands out as a top lender.
Home Trust Company Mortgage Pre-Approval Process
Getting preapproved for a mortgage with Home Trust Company is a straightforward process that helps you understand your budget and strengthens your position as a buyer. The mortgage loan pre-approval process involves submitting financial documents, such as proof of income and credit history, to determine your eligibility. Home Trust Company’s pre-approved mortgage lenders team ensures a seamless experience, whether you're a first-time buyer or looking to refinance a mortgage loan. With pre-approval for home loan services, you can shop for your dream home with confidence.
Customer Experience and Support
Home Trust Company is committed to providing exceptional customer service, whether you're visiting a branch, using their mobile app, or working with a mortgage broker in Toronto. Their online tools, such as the home mortgage rate calculator, help customers estimate payments and affordability. Home Trust Company’s mortgage agents and mortgage brokers Toronto Ontario are available to guide you through every step, from pre-approval mortgage to closing. With a focus on transparency and support, Home Trust Company ensures a stress-free mortgage experience.
Home Trust Company Mortgage Calculators and Tools
Home Trust Company offers a suite of online tools to help customers make informed decisions. Their home mortgage rate calculator allows you to estimate monthly payments based on mortgage rates Ontario or mortgage rates Quebec Canada. Additionally, their affordability calculator helps you determine how much you can borrow, while their refinancing mortgage loans tool provides insights into potential savings. These resources, combined with expert advice from mortgage agents in Toronto, make Home Trust Company a top choice for home financing.
We'll find great rates like this one from one or our several lending partners across Canada.
Call Now for a Free Rate Quote
5 Year - Fixed Term from
3.94%
Apply for your Best Rate in minutes.
Everyone's rate is unique.What's yours?
It is our job to get your lowest possible rate. Your rate qualification depends on certain factors, such as credit score and home equity as per regulations.
*Advertised rates may not be offered by this lender. Mortgage lender offers are aggregated by RateShop & its Brokerage Network subject to change without notice. Speak with our mortgage broker about APR and qualification requirements.
Home Trust and RateShop Mortgages work to accommodate borrowers who may not fit the mold of traditional lenders:
First-Time Home Buyers:
Minimum Credit Score: 550-600 for specialized programs.
Down Payment: Starting at 5% with insurance.
Salaried and Contract Employees:
Steady income proof via pay stubs or employment contracts.
Self-Employed Borrowers:
Bank statements or stated income programs to verify income.
Credit-Challenged Borrowers:
Lower credit scores may qualify with higher down payments or equity-based programs.
Home Trust evaluates applications with flexible yet responsible underwriting criteria:
Credit Score: Generally, a minimum of 550, with leniency for equity-rich borrowers.
Debt Service Ratios (DSR): Housing costs capped at 39% of gross income; total debts capped at 44%.
Property Value Assessment: Requires a formal appraisal to confirm market value.
Income Verification: Flexible documentation, including alternative income sources.
Equity-Based Approval: Borrowers with significant equity may qualify despite low income or credit scores.
Borrowers should prepare the following documents for a seamless application process:
Identification: Valid government-issued ID.
Income Proof: Pay stubs, tax returns, or bank statements (depending on the program).
Down Payment Evidence: Savings statements or gift letters.
Credit Report: Optional, as Home Trust will pull a credit check.
Property Details: Purchase agreement or property appraisal.
VWhy Choose Home Trust Company Through RateShop Mortgage
Partnering with RateShop Mortgage gives you access to Home Trust Company’s best mortgage rates and expert guidance. RateShop Mortgage’s network of mortgage brokers and mortgage brokerage Toronto professionals ensures you get personalized solutions tailored to your needs. Whether you're looking for the best 5-year fixed rate mortgages or need help with refinancing a house loan, RateShop Mortgage simplifies the process. By choosing Home Trust Company through RateShop, you benefit from competitive lowest mortgage loan rates and a seamless application process.
Getting pre-approved with RateShop Mortgages and Home Trust Company involves:
Application Submission: Fill out RateShop’s secure online pre-approval form.
Document Upload: Provide the necessary financial and identification documents.
Consultation: A broker reviews your options and guides you to the right mortgage product.
Pre-Approval Letter: Valid for up to 120 days, offering a guaranteed rate and confidence in your budget.
Home Trust Company Mortgage Reviews and Testimonials
Customers consistently praise Home Trust Company for its competitive mortgage rates best rates and exceptional service. Many highlight the ease of working with mortgage brokers in Toronto Ontario and the lender’s transparent pre-approval for mortgage loan process. Testimonials often mention the benefits of Home Trust Company’s home equity line of credit rates and their support during refinancing a mortgage. With high ratings for customer satisfaction, Home Trust Company is a trusted choice for best mortgage lenders rates in Canada.
RateShop Mortgages ensures borrowers get competitive rates from Home Trust and other lenders:
Use RateShop’s rate comparison tool for real-time insights.
Speak directly to a mortgage broker to explore customized options.
Home Trust allows borrowers to manage their mortgage efficiently with flexible pre-payment features:
Lump Sum Payments: Pay up to 20% of the principal annually without penalties.
Payment Increases: Boost regular payments to accelerate repayment.
Double-Up Payments: Add extra payments alongside regular installments to reduce interest costs.
FAQs About RateShop and Home Trust Company
What mortgage products does Home Trust Company offer?
Home Trust Company provides a variety of mortgage solutions, including fixed and variable-rate mortgages, home equity lines of credit (HELOCs), and refinancing options. Whether you're a first-time homebuyer looking for a pre-approved mortgage loan or a homeowner wanting to refinance your mortgage, Home Trust offers competitive mortgage rates in Canada tailored to different financial situations.
How do I qualify for a mortgage with Home Trust?
To qualify for a mortgage with Home Trust, borrowers need to meet specific lending criteria, including credit score requirements, stable income, and sufficient down payment (usually between 5% to 20%). Home Trust specializes in working with self-employed individuals and those with non-traditional income sources, offering alternative lending solutions for clients who may not meet the strict criteria of major banks.
How do Home Trust’s mortgage rates compare to other lenders in Canada?
Home Trust offers competitive mortgage rates designed to help borrowers who may not qualify for traditional bank financing. While rates may be slightly higher than those from major banks due to the nature of alternative lending, Home Trust provides customized mortgage solutions and access to best mortgage rates in Ontario, BC, and across Canada. Consulting a mortgage broker can help compare lowest mortgage loan rates and find the best deal.
Can I refinance my mortgage with Home Trust?
Yes, Home Trust offers mortgage refinancing options for homeowners looking to lower their interest rates, access home equity, or consolidate debt. Whether you want to refinance a mortgage loan to secure a lower rate mortgage or adjust your payment terms, Home Trust’s specialists can provide tailored refinancing solutions to meet your financial needs.
Does Home Trust offer mortgage pre-approval, and how does it work?
Yes, Home Trust provides pre-approval for mortgage loans, allowing borrowers to determine their budget before purchasing a home. A pre-approved mortgage helps secure an interest rate for a specified period, giving borrowers confidence when making an offer on a property. This is especially useful for securing best Canadian 5-year mortgage rates or navigating a competitive housing market.
As Seen And heard on
Quick Links
Calculators
Contact Information
6 Indell Lane, Brampton ON L6T 3Y3, Canada
Local: 416-827-2626
Toll: 800-725-9946
RateShop Inc. is a Mortgage Brokerage offering lowest mortgage rates to Canadians. We are provincially licensed in the following provinces: Mortgage Brokerage Ontario FSRA #12733, British Columbia BCFSA #MB600776, Alberta RECA #00523056P, Saskatchewan FCAA #00511126, PEI #160622, New Brunswick FCNB #88426, Newfoundland/Labrador. Our Quebec Mortgage Transactions are serviced by Orbis Mortgage Group AMF# 181136.
Copyright 2025. RateShop Canada. All Rights Reserved.