Home Trust mortgage — 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. Rate premium typically 75-150 bps over A-lender, but the file gets done.
Who is Home Trust?
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.
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. Rate premium of 75-150 bps. We map the A-lender exit.
From thousands of funded files across 99+ Canadian lenders, our brokerage has placed thousands of mortgages with Home Trust and we know their underwriting appetite intimately — 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.
What we send to Home Trust.
From thousands of funded files across 99+ Canadian lenders, here’s what we know about Home Trust’s preferences.
Home Trust rate context — May 13, 2026
We can't publish lender-specific rates by name (lender confidentiality + daily-changing rate sheets), but here’s the live market context for alt-a / b-lenders pricing today. Your actual Home Trust rate depends on file strength, term, insurance status, and product family.
Home Trust funds these mortgage types
As a broker we access Home Trust’s full broker-channel product menu. Explore the relevant product page for your file.
How we work with Home Trust
We’re not employees of Home Trust. We’re an independent FSRA-licensed brokerage that submits files to Home Trust on your behalf when they’re the best fit — and to a different lender when they’re not.
5-minute call to understand your file — income, credit, down payment, property, timeline. No bureau pull to start.
We benchmark your file against 99+ lenders' appetite, not just Home Trust. If they're the best fit, we go there. If not, we go elsewhere.
Full document package to Home Trust's broker desk — structured the way their underwriters want to see it for clean first-time approval.
Conditional approval → conditions cleared → lawyer instruction → funding. We project-manage every milestone end-to-end.
Is Home Trust a good fit for your file?
Honest take from thousands of funded files. We send the right file to the right lender — not the loudest one.
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 diagnose your fit across 99+ lenders — without a bureau pull to begin.
Other alt-a / b-lenders we shop alongside Home Trust
Same tier, often comparable rates. We benchmark Home Trust against these every time.
Home Trust mortgage broker — major Canadian cities
We place Home Trust files across Canada. Tap your city for local market context and start a pre-qualification with your file in mind.
Don’t see your city? Browse all Canadian markets — we lend nationally.
Going direct to Home Trust vs. through us
Same lender, different access points. Here’s what changes when you go through a broker.
| 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.
What are Home Trust's current mortgage rates in Canada?
How do I qualify for a mortgage with Home Trust?
Is Home Trust a good mortgage lender?
Can I switch to Home Trust at renewal?
Does Home Trust work with self-employed borrowers?
How long does Home Trust take to approve a mortgage?
What's the difference between Home Trust branch rates and broker rates?
Does Home Trust offer pre-approvals?
What prepayment privileges does Home Trust offer?
What if Home Trust declines my mortgage application?
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.
Pillar guides relevant to Home Trust files
In-depth playbooks paired with the product types Home Trust funds. Free, no email required.
The single most-downloaded guide we publish. Pre-approval to closing day, the full FHSA + RRSP HBP + FTHB stack, the stress test in plain English, and the 6 documents you'll actually need to qualify.
Refinancing isn't always a win. This guide gives you the spreadsheet we use internally: penalty + fees vs. monthly savings + break-even, with three worked scenarios (rate drop, debt consolidation, equity take-out).
BFS, sole prop, T1 General income, dividend-only, retained earnings — every income story has a lender that fits. This guide maps out which lenders fit which file, what documents you'll need, and how add-backs work.
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.
Browse other lender tiers
Same broker. Different lender appetite.