Home Trust Company
Canada's largest trust company (broker-channel). Classic program has no minimum credit score; Accelerator (prime); EquityAccess (reverse). It lends across Canada.
Prepayment-penalty method
Fair, contract-rate penalty
If you break a fixed term early, the penalty is calculated the borrower-friendly way, using your actual contract rate. This is usually far cheaper than a big bank's posted-rate method, and it is one of the biggest hidden costs most people never compare.
See what breaking a mortgage early could costWho it tends to fit
- Self-employed and business-owner borrowers
- Newcomers to Canada building credit here
- Buyers of rental or investment property
- Borrowers with bruised or lower credit scores
- Refinances and equity take-outs
General signals only. Approval depends on the full application; a lender that fits on paper still has to say yes.
What you can do with it
- Buying a home
- Refinancing
- Renewal or switch
Features
- Prepayment privileges (pay extra without a penalty)
- Home equity line of credit (HELOC)
Rate types
- Fixed rates
- Variable rates
Where it lends
Across Canada
Good to know
- Home Trust CLASSIC carries a bona fide sale clause: you generally cannot break mid-term to refinance with another lender, only on a genuine sale. Confirm before signing if you may refinance early.
How to reach Home Trust Company
Available only through a licensed mortgage broker, not directly to the public. This is educational information, not a rate quote; confirm current rates and terms directly.
Visit Home Trust CompanyEducational summary; rates, terms, and approval are set by the lender.
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Other alternative (b) lenders
Educational information about Canadian mortgages, not financial or mortgage advice. This tool is offered by Jordan Avery, Mortgage Agent (Level 2), Licence M23999999 · Maple Key Mortgages Inc., FSRA Brokerage Licence 13999 and operated by LenderSearch; figures are estimates. Confirm all rates, terms, and eligibility directly with the lender before acting.