Home Trust Mortgage Lender

Home Trust Company is one of Canada’s leading trust companies.

They offer Canadians a wide range of financial products and service alternatives, including mortgages & visa cards. They focus primarily on a unique segment of the Canadian marketplace: consumers who do not have traditional credit backgrounds and whose specific needs are not met by larger financial institutions. We cater to self-employed entrepreneurs, people with past credit issues and borrowers with equity in their property who do not qualify due to lack of provable income or little credit history.

Home Trust is a federally regulated trust company carrying on business across Canada. Originally incorporated in Ontario in 1977 as Home Savings and Loan Corporation, the Company was continued under the Trust and Loan Companies Act (Canada) on March 9, 2000.

With offices across the country from Halifax to Vancouver, and thier head office being in downtown Toronto, they are able to offer thousands of Canadians the alternative financial solutions they need. Whether it’s helping you to buy your first home, consolidate higher-interest loans and credit cards to save you money, or renovate your dream house, they have the flexible alternative solutions to help you meet your goals.

Self Employed Borrowers

Home Trust offers mortgages to small business and self employed borrowers.  Depending on your credit rating and as little as 2 years notice of assessment showing no taxes owing can obtain you a mortgage loan of up to 95%.

Welcome to Canada Program for Permanent and Temporary Residents

Home Trust offers mortgages up to 95% for those who have recently immigrated to Canada and those on temporary work permits.

Home Trust Mortgage Offers High TDS Ratios

Home Trust offers TDS ratios up to 44%, depending on credit rating. Your TDS is your total debt service ration. This is your total debts compared to your total income. Contact your mortgage broker for more details.

Other Home Trust Mortgage Products Available

Other Home Trust Mortgage Products that are available are high ratio mortgages of up to 95%, rural mortgages and up to 35 year amortization.

You can get resmor trust mortgage products in fixed 1,3 & 5 year terms. Only a 5 year term is available for variable rate mortgages.

You can make weekly , accelerated bi-weekly, semi-monthly and monthly payments. You can also increase your payments by 20% over the term and pre-pay up to 20% each year on the original mortgage amount without recieving a penalty.

If you are interested in a Home Trust mortgage product call today or apply online. Your mortgage broker will be able to find the best suitable lender for you and your situation.