Home Trust
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 50+ lenders so you get the best fit, not just one bank’s sheet.
Rates as of May 13, 2026 · source: editorial rate registry. Personalized rate depends on your file. O.A.C.
5-year fixed
4.19%
Best in our network
5-year variable
4.04%
Best in our network
3-year fixed
4.39%
Best in our network
About Home Trust (a broker’s view)
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.
- Bruised credit (500+ Beacon)
- Self-employed alt-A
- BFS stated-income
- Beacon-light income-heavy files
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).
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 posted rate?
Usually, yes. Home Trust's broker-channel rate is typically lower than the walk-in rate, and we also compare Home Trust against 50+ other Canadian lenders — sometimes another lender prices your specific file better. We shop all of them on one application.
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.