Skip to main content
Mortgage Squad Advisors
Home Trust logo Home Trust · Alt-A / B-lender

Home Trust mortgage rates — and how to beat the posted rate.

Home Trust’s broker-channel rate is typically 15-30 bps below the rate you’d see walking into a branch. We access it as an FSRA-licensed brokerage — and compare it against 100+ lenders so you get the best fit, not just one bank’s sheet.

Rates as of Jun 16, 2026 · source: live network feed. Personalized rate depends on your file. O.A.C.
Lender type
Alt-A / B-lender
Headquarters
Toronto, ON
Established
1977
Products
5+ types
5-year fixed
3.94%
Best in our network
5-year variable
3.60%
Best in our network
3-year fixed
3.84%
Best in our network
Home Trust rates across terms — broker-channel best
Term
Type
Rate
APR
6-year fixed
Fixed
4.79%
4.79%
Apply
6-year fixed
Fixed
4.79%
4.79%
Apply
Broker-channel best per term. Your file sets the final rate. O.A.C.

How Home Trust’s broker-channel pricing works

Most Canadian lenders, Home Trust included, run two rate sheets: a posted/branch rate quoted to walk-in customers, and a wholesale broker-channel rate offered through licensed mortgage brokers. The broker rate is usually 15-30 bps lower because the broker handles origination, document collection and file packaging — work the lender would otherwise pay branch staff to do.

You can’t access the broker rate by walking into a Home Trust branch — only a licensed brokerage can submit to their broker desk. We do exactly that, then put the same file in front of 100+ other lenders so Home Trust’s offer is benchmarked against the whole market. On a $600,000 mortgage, 20 bps is roughly $1,200 a year in interest — real money over a 5-year term.

Where Home Trust is strong
  • Bruised credit (500+ Beacon)
  • Self-employed alt-A
  • BFS stated-income
  • Beacon-light income-heavy files
Products Home Trust funds
PurchaseRefinanceSelf-employedBad creditBridge
Full Home Trust reviewBest 5-yr fixed Full live boardPayment calculator

Home Trust mortgage rates — FAQ

What are Home Trust's mortgage rates today?
Lenders run two rate sheets — the posted/branch rate and the broker-channel rate. As an FSRA-licensed brokerage we access Home Trust's broker-channel pricing, typically 15-30 bps below their posted rate. Your exact rate depends on your file (income, credit, LTV, property).
What's the difference between Home Trust's posted rate and the broker rate?
The posted (or "special offer") rate is what you see advertised or quoted in a branch. The broker-channel rate is the wholesale pricing Home Trust offers through licensed brokers — usually 15-30 bps lower because the broker does the origination work. You can only access it through a broker; we submit your file directly to Home Trust's broker desk.
Is Home Trust a good mortgage lender?
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. Rate premium typically 75-150 bps over A-lender, but the file gets done.
Can I get a lower rate than Home Trust's rate?
Sometimes. Home Trust is strong for certain files, but another of our 100+ lenders may price your specific situation better. We compare Home Trust against the whole network on one application — you get Home Trust's best and the market's best, then choose.
Can I switch to Home Trust at renewal?
Yes — switching to Home Trust at maturity is usually penalty-free, and a straight transfer often skips the stress test. We handle the paperwork and confirm Home Trust's renewal/switch pricing against the rest of the market so you don't auto-renew at a higher rate.
Does Home Trust offer rate holds?
Yes — like all major Canadian lenders, Home Trust 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.
How do I apply for a Home Trust mortgage?
Through a licensed broker you reach Home Trust's broker channel directly. Start a no-obligation application with Mortgage Squad Advisors (FSRA #13737) and we'll submit to Home Trust — and compare it against the rest of the network — with no bureau pull to begin.

Get Home Trust’s best rate — and 100+ others.

One application, no bureau pull to begin. We submit to Home Trust and shop the whole network for your file.

Compare other lenders’ rates
RBC Royal Bank ratesTD Canada Trust ratesScotiabank ratesBMO Bank of Montreal ratesCIBC ratesNational Bank of Canada ratesCanadian Western Bank ratesLaurentian Bank ratesTangerine ratesMCAP ratesFirst National ratesRFA Mortgage Corporation ratesMerix Financial ratesCMLS Financial rates