Home Trust Mortgage Rates
Compare current Home Trust mortgage rates in Canada
Flexible mortgage solutions for Canadians who think outside the box.
By Andrew · Sources: the lender’s public rate pages, collected into the table on this page. Confirm the contract rate, fees, and eligibility with the lender before you apply.
Best Home Trust Rates
Lowest rates by product type
Rate Overview
Best rate for each term and product type
| Term | Fixed Insured | Fixed Uninsured | Variable Insured | Variable Uninsured |
|---|---|---|---|---|
| 1 year | 4.99% | 5.29% | — | — |
| 2 years | 5.17% | 5.39% | — | — |
| 3 years | 5.12% | 5.49% | — | — |
| 4 years | 4.39% | 6.46% | — | — |
| 5 years | 4.99% | 6.51% | — | — |
Fixed Rate Mortgages
Lock in your rate for the term of your mortgage
1 year
2 options2 years
2 options3 years
2 options4 years
2 options5 years
2 optionsMortgage Negotiation Guide
Negotiating your rate could save thousands, depending on your mortgage.
Learn MoreAbout Home Trust
Home Trust is one of Canada's leading alternative mortgage lenders, specializing in residential mortgages for borrowers who don't fit the traditional bank profile. Home Trust offers prime, near-prime, and alternative mortgage products, including first and second mortgages, with a focus on common-sense underwriting. They serve self-employed individuals, investors, newcomers to Canada, and those rebuilding credit. Home Trust's products are available exclusively through mortgage brokers, ensuring borrowers receive personalized advice alongside flexible financing solutions. With a long track record and strong capital position, Home Trust is a reliable alternative to conventional mortgage lending.
Mortgage Specialties
Unique Features
- Common-sense underwriting approach
- Prime, near-prime, and alternative products
- Broker-only distribution
- Long track record in alternative lending
- Strong capital position
Compare Home Trust against the market
See how Home Trust stacks up on 5-year fixed, variable, insured, and uninsured rates.
Popular Cities
See Home Trust rates in major Canadian markets
Useful Tools
Calculate payments and affordability
Compare Lenders
See how Home Trust stacks up
Alterna Bank
ATB Financial
Bank of Montreal
Butler Mortgage
Canadian Imperial Bank of Commerce
CMLS FinancialCompare All Lenders
See how Home Trust rates compare to other Canadian banks and lenders
Compare All RatesLoading the signup form…