Home Trust Company

Home Trust Company: mortgages, cards and deposits in Canada

Home Trust Company presents itself as a Canadian mortgage lender that brings together residential mortgage financing, credit cards and deposit products under one organisation. Its website groups the offer into four blocks: mortgages, credit cards, reverse mortgages and investments. The company frames its proposition around the idea of saying yes, a positioning it summarises with the phrase "Home Happens Here".

Mortgage solutions

The mortgage section is organised around three main purposes: purchases, refinances and renewals. Alongside these, the site lists mortgage rates, mortgage insurance and a breakdown of costs to consider, which serve as reference material for borrowers assessing a loan. A separate reverse mortgage line is presented as its own product family, with dedicated documentation.

Credit cards and deposits

In cards, Home Trust lists three products: the Home Trust Equityline Visa, the Home Trust Preferred Visa and the Home Trust Secured Visa. On the savings side, deposit products are marketed under the Oaken Financial name and include Guaranteed Investment Certificates (GICs) and a High Interest Savings Account (HISA), with published deposit rates. The site also references Canada Deposit Insurance Corporation coverage and provides forms, terms and conditions and a fee schedule.

Mortgage brokers and business partners

The company maintains a specific channel for mortgage brokers, with a section to become a broker and information aimed at clients. A broader business partners area and a set of tools and resources complement this, including frequently asked questions, a glossary of terms, mortgage documents and reverse mortgage documents, plus guidance on managing a mortgage.

Corporate context

Home Trust Company operates within a group that the site identifies through references to Smith Financial Corporation, Fairstone Bank, Home Bank and Oaken Financial. A newsroom item announces a merger between Home Trust and Fairstone Bank, presented as creating what the company describes as the leading alternative lender in Canada. The site also links to Fairstone Bank's 2025 Public Accountability Statement. Corporate information covers the company story, careers, a blog titled Beyond the Rate, privacy, legal terms, FATCA, an accessibility plan and regulatory disclosures.

Client access and enquiries

Customers can log in to manage mortgages, Visa accounts and investments through separate digital access points, and the site offers a general enquiry form with categories for general questions, Visa applications, Visa accounts, mortgages and investments. Account-specific enquiries are directed to a dedicated phone line. The interface is available in English and French.