Home Trust 3-year variable mortgage rate.
Today’s best 3-year variable in our network is 3.55%. We access Home Trust’s broker-channel pricing — typically 15-30 bps below posted — and compare it across 100+ lenders.
The network’s best 3-year variable rate today is approximately 3.55% through the broker channel — about $2,811/month on a $700,000 home with 20% down over 25 years. A 3-year variable is a shorter-commitment variable for borrowers who want flexibility and a quick re-shop. Home Trust prices through brokers only, so this sheet is the one that exists — we compare it against the rest of the network.
The 3-year variable with Home Trust
Home Trust on this term. Home Trust isn't currently posting a broker-channel 3-year variable on our rate board, so the rate above is the best 3-year variable across our 100+ lenders — not Home Trust's own. For this term we shop your file across the full shelf, Home Trust included, and bring back the sharpest fit.
Who it suits. Borrowers who like the variable structure but want to revisit the whole mortgage in three years rather than five. It suits people expecting rate cuts who also anticipate a change — selling, refinancing, or restructuring — inside three years.
What drives the rate. Like the 5-year variable, it moves with prime and the Bank of Canada, but the shorter term means you renegotiate sooner. Availability is thinner than the 5-year variable, so the lender mix that offers it matters.
Breaking it early. Three months' interest, the same cheap-exit advantage as any variable — paired here with an even shorter commitment.
How Home Trust prices the broker channel
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 ran 4.69-7.00% as of July 2026 against A-lender pricing of 3.50-4.19%, but the file gets done.
Home Trust has a single 3-year variable rate sheet and it is wholesale — published to licensed brokers, with no retail counterpart, because origination is the broker’s job rather than a branch network’s. That is why their pricing is often sharp: the cost the Big-6 carry in branches is not in it. On a $700,000 mortgage, 20 bps is roughly $1,400 a year, which is the size of the gap worth shopping for.
- Bruised credit (500+ Beacon)
- Self-employed alt-A
- BFS stated-income
- Beacon-light income-heavy files
A worked example
On a $700,000 home with 20% down, the mortgage is $560,000. At the network’s best 3-year variable rate of 3.55% over a 25-year amortization, the payment is about $2,811/month. Home Trust does not lend direct to the public, so this rate only exists through a licensed brokerage — and on the same application we price it against the rest of the network rather than taking it on its own. Model your numbers in the payment calculator.
Whatever your situation with Home Trust
We submit to Home Trust's broker desk and 100+ other lenders on one application — whichever prices your file lowest wins.
First-time buyers
5% down with FHSA + RRSP HBP optimization — Home Trust or whichever lender prices you lowest.
Refinancing
Unlock equity for renovations, debt consolidation or investing.
Renewing
Don't auto-renew with Home Trust — most clients beat the first offer by 30-60 bps.
Self-employed
Business-for-self files priced right across A-lender, alt-A and private.
Bruised credit
B-lender and private paths now, with a mapped exit back to A-pricing.
Breaking a Home mortgage
Estimate the IRD or three-months-interest penalty before you switch out of Home Trust.
6 reasons to get Home Trust's 3-year variable through a broker
Home Trust lends through brokers only — here is what that changes about getting their best 3-year variable.
Access the broker channel
Home Trust funds exclusively through the broker channel — there is no branch or website that will sell you this 3-year variable directly, so a licensed brokerage is the only route to it.
Home Trust and 100+ others compete
We submit your file to Home Trust's broker desk and the rest of the network on one application, so you get Home Trust's best and the market's best side by side.
No bureau pull to start
We can shop your Home 3-year variable rate without a hard credit check, so comparing costs you nothing.
We handle the paperwork
From application to Home Trust's underwriting to funding, we manage the file end-to-end.
Switch or renew without overpaying
At maturity we benchmark Home Trust's renewal/switch offer against the whole market so you never auto-renew high.
Best-rate guarantee
We'll beat any comparable Big-6 3-year variable offer or pay you $500 — keep it, or we'll donate it to your favourite charity — and our advice is free, paid by the funding lender.
Why shop Home Trust through us
- Direct access to Home Trust's broker desk — plus 100+ other lenders on one application.
- Broker-channel pricing 15-30 bps below Home Trust's posted rate.
- One application, every lender — Home Trust's best and the market's best, then you choose.
- FSRA-licensed advice, no bureau pull to start, best-rate guarantee or $500 (you or your charity).