Home Trust Mortgage
Although Home Trust Canada offers a couple of unique mortgage products, Home Trust mortgage may or may not be the ideal lender for you or your situation.
If you are interested in a Home Trust Company product or would like to compare other products to Home Trust mortgage rates, please call today or apply online.
Use our mortgage calculator to give you an idea of how much you can afford.
Self Employed Borrowers
Home Trust offers mortgages to small business and self employed borrowers. Depending on the credit rating of the borrow, as little as 2 years notice of assessment showing no taxes owing can obtain a mortgage loan up to 95% of the value of the home.
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.
TDS – Total Debt to Service ratio. The amount of debt being serviced as a percent compared to the total income.
Other Home Trust Mortgage Products Available
- High ratio mortgages – up to 95% loan to value
- Rural mortgage
- Up to 35 year amortization
Home Trust Mortgage Terms Available
| Fixed Rate: | 1, 3, 5 year fixed |
| Variable Rate: | 5 year |
| Convertible: | n/a |
| Closed: | 1, 3, 5 year fixed and 5 year variable rate |
| Open: | n/a |
Home Trust Mortgage Payment Options
-
Weekly
-
Biweekly (accelerated)
-
Semi-monthly
-
Monthly
Home Trust Mortgage Pre-payment Options
- Increase your payments by 20% over the term.
- Pre-pay up to 20% each year on the original balance of your mortgage without penalty.