Alt-A / B-lenders

Home Trust mortgage review — a broker's perspective

Canada's largest alt-A / B-lender by volume. The Accelerator program serves bruised-credit, BFS, and stated-income files A-lenders won't touch. Rates typically run about 0.5–1.5 percentage points above A-lender rates, but the file gets done.

Founded: Founded 1977
Headquarters: Toronto, ON
Products: 5 product types
Tier: Alt-A / B-lenders
Broker licence: FSRA #13737 broker

Start Pre-Approval See live rates 4.9 ★★★★★ Google Home Trust website

Reviewed by Mortgage Squad Advisors Editorial Team · Licensed Mortgage Advisors · Reviewed by the Principal Broker

FSRA Brokerage #13737 · 15+ years · Last reviewed May 13, 2026

Where Home Trust stands out

Who is Home Trust good for?

Home Trust suits self-employed with 1-2 years of incorporation and bruised credit (500-680 Beacon) with a clear story. It is strongest on: Bruised credit (500+ Beacon), Self-employed alt-A, BFS stated-income, Beacon-light income-heavy files.

Strong fit for

Self-employed with 1-2 years of incorporation
Bruised credit (500-680 Beacon) with a clear story
Stated-income BFS files A-lenders decline
Borrowers exiting a power-of-sale or consumer proposal

Probably not the right fit if

Clean salaried files (better priced at an A-lender)
Beacons under 500 (usually private territory)
Files needing 90%+ LTV (alt-A typically caps 75-80%)

Not sure where your file fits? Start a free pre-qualification and we’ll check your fit across 99+ lenders — no credit check to begin.

Overview

What kind of lender is Home Trust?

Home Trust sits within the alt-a / b-lenders tier of Canada's mortgage market. For files A-lenders decline: BFS, bruised credit, complex income. Rates typically run about 0.5–1.5 percentage points above A-lender rates. We map the A-lender exit.

Working across 99+ Canadian lenders, our brokerage knows Home Trust's underwriting appetite — what they say yes to, what they push back on, and what file structure gets a clean approval the first time. Home Trust fills the gap between A-lender bank decline and private-mortgage territory — competitive pricing on files that don't fit clean bank boxes.

Live · updated Oct 24, 2026

How does Home Trust price its mortgages today?

These are Home Trust's lowest current rates across 56 broker-channel products in our live feed. Your exact rate depends on your file, term, down payment and insurance.

5-yr fixed

4.49%

5-yr variable

3.50%

3-yr fixed

4.59%

1-yr fixed

4.99%

Home Trust rates by term Get your exact rate

Product menu

What mortgages does Home Trust offer?

Home Trust funds 5 mortgage types. We can access its full broker-channel menu.

Purchase
Refinance
Self-employed
Bad credit
Bridge

First-time buyer Refinance Self-employed Bad credit Bridge / private

Bank direct vs broker channel

Should you go to Home Trust directly or use a broker?

Home Trust sells only through brokers, so a licensed brokerage like ours is the way in. We’re not employees of Home Trust. We’re an independent FSRA-licensed brokerage that sends your file to Home Trust when it’s the best fit — and to a different lender when it’s not.

Going direct to Home Trust vs. through us

Aspect	Direct with Home Trust	Through Mortgage Squad Advisors
Rate sheet	Broker-channel only — no direct retail access	Direct broker-channel access — our day-one cost
Lenders shopped	Just Home Trust	99+ lenders incl. Home Trust
If declined	Application ends; reapply elsewhere	Re-route to next-best lender same day
Cost to borrower	$0 — bank pays its own staff	Disclosed up front (private/alt files only)
Underwriting strategy	Home Trust's lens only	We structure your file to Home Trust's preferences before submission
Renewal benchmarking	Home Trust sends a single offer; you accept or counter	We benchmark across 99+ lenders 120 days before renewal

Same Home Trust loan documents. Different shopping power. Start a pre-qualification to see what your file looks like across 99+ lenders.

How we work with Home Trust

Discovery
A 5-minute call about your income, credit, down payment, home and timeline. No credit check to start.
Match
We compare your file with 99+ lenders, not just Home Trust. If Home Trust fits best, we go there.
Submit
We send a full package to Home Trust's broker desk, set up the way their underwriters like it.
Funding
Approval, conditions, lawyer, funding. We manage every step.

Alternatives

Other alt-a / b-lenders we shop alongside Home Trust

Same tier, often similar rates. We compare Home Trust with these every time.

Equitable Bank

BFS + self-employed alt-A

Haventree Bank

1-year BFS history accepted

Community Trust

High-LTV equity take-out

CMI Financial

Alt-A residential

By city

Home Trust mortgage broker — major Canadian cities

We place Home Trust files across Canada. Pick your city for local market context.

Toronto Vaughan Mississauga Brampton Markham Oakville Richmond Hill Burlington

Don’t see your city? Browse all Canadian markets — we lend nationally.

FAQ

Home Trust — common questions

Don’t see yours? Ask Maya.

What are Home Trust's current mortgage rates in Canada?

Home Trust's rates change daily and are channel-specific — branch rates differ from broker-channel rates. As a brokerage we access Home Trust's broker-channel sheet, typically 15-30 bps below their walk-in rate. Our live rate board (last reviewed May 13, 2026) shows current best-in-network across 99+ lenders. See our live rate board.

How do I qualify for a mortgage with Home Trust?

Standard Canadian qualifying: 5%+ down (under 20% requires CMHC/Sagen/Canada Guaranty default insurance), OSFI B-20 stress test at the higher of contract rate + 2% or 5.25%, GDS ≤ 39% and TDS ≤ 44%. Home Trust's underwriting has specific preferences we know from working with them — we'll tell you whether your file is a strong fit before submitting.

Is Home Trust a good mortgage lender?

Home Trust is genuinely strong on: Bruised credit (500+ Beacon), Self-employed alt-A, BFS stated-income. As your broker we evaluate Home Trust against 99+ other Canadian lenders for your specific file — sometimes they're the best fit, sometimes a different lender is. The honest answer depends on your file profile, not the lender's marketing.

Can I switch to Home Trust at renewal?

Yes, if your file qualifies. A transfer-in at renewal typically costs you $0 — Home Trust covers the discharge fee from your old lender and the appraisal as a transfer incentive. We benchmark Home Trust's offer against your existing lender's renewal rate and the broader market 6 months before renewal so the switch (or stay) is timed properly.

Does Home Trust work with self-employed borrowers?

Yes — Home Trust has specific BFS / self-employed programs we route those files to. See our self-employed mortgages.

How long does Home Trust take to approve a mortgage?

Home Trust's commitment turnaround on a clean broker-channel file is typically 24-72 hours from submission. Complex files (BFS, foreign income, atypical down payment) can take 5-10 business days. Conditional approval to funding is usually 14-30 days depending on appraisal, lawyer, and conditions.

What's the difference between Home Trust branch rates and broker rates?

Home Trust is broker-channel only — they do not sell mortgages direct to the public, so there is no retail rate to compare against. Their entire pricing comes through licensed brokers.

Does Home Trust offer pre-approvals?

Yes — Home Trust, like all major Canadian lenders, offers rate holds (typically 90-120 days) for pre-approved borrowers. We can submit your file to Home Trust for a real underwritten pre-approval, not just a soft rate-hold. This means if rates rise you're locked, and if they fall most lenders honour the lower rate. Start your pre-approval here.

What prepayment privileges does Home Trust offer?

Most major Canadian lenders including Home Trust offer 15-20% annual lump-sum prepayment plus 15-20% payment-increase privileges per anniversary year. The exact privilege depends on the specific product family (insured/insurable/conventional) and term selected. We disclose the privileges and IRD calculation method up front so you know your exit cost before you sign.

What if Home Trust declines my mortgage application?

As a broker we don't single-submit — if Home Trust declines, we have 98+ other lender options across A-tier, alt-A, MIC, and private. We'll diagnose the decline reason (credit, income, LTV, property type, beacon), fix what's fixable, and re-strategize. A bank decline ends your bank application; with us, it's one route taken off the map and we pivot.

Pillar guides relevant to Home Trust files

The First-Time Buyer Roadmap

Our most comprehensive first-time-buyer guide. Pre-approval to closing day, the FHSA + RRSP Home Buyers' Plan stack, 30-year insured amortization for first-time buyers, the stress test in plain English, and closing-day costs.

The Refinance Decision Framework

Refinancing isn't always a win. This guide gives you the break-even method we use: penalty + fees vs. monthly savings, with three illustrative scenarios (rate drop, debt consolidation, equity take-out).

Mortgage After Credit Trouble

Bad credit, missed payments, consumer proposal, recent bankruptcy — a clear-eyed guide to what's actually possible, what it costs in rate premium, and how to refinance back to A-lender pricing in 12-24 months.

Related lenders

Same broker. Different lender appetite.

Computershare Trust Co.Olympia Trust Trez Capital KingSett Capital

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Editorial commitment

This page is an editorial profile written from our brokerage’s perspective. We are not employed by Home Trust and receive no payment from Home Trust for this content. We compensate-disclose: on A-lender files the lender pays our brokerage compensation, and we earn the same regardless of which A-lender funds your file — so our recommendations are rate-agnostic. Rates and program details are reviewed quarterly; last reviewed May 13, 2026.

Get the best-fit lender for your file.

A 5-minute pre-qualification. No credit check to begin. We compare 99+ lenders — including Home Trust — and recommend the right one.

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