Home Trust: Canada’s Most Trusted Lender for “Unbankable” Borrowers.
When the banks say no, Home Trust often says: “Let’s take a closer look.”
Founded in 1977, Home Trust has helped hundreds of thousands of Canadians (especially those with non-traditional income, bruised credit, or no credit history at all) get approved for mortgages that build equity and restore financial stability.
From stated income programs for self-employed clients, to no minimum credit score requirements, to flexible debt ratios, Home Trust is one of the few federally regulated lenders that still underwrites like a human.
Whether you’re a newcomer, a rental property investor, or recovering from past financial challenges, Home Trust offers a path forward—nationwide.
Real Mortgages for Real Life. No Bank Approval Needed.
Why Borrowers Love Home Trust
Self-Employed with Stated Income
No tax returns? No problem. Home Trust offers true stated income mortgages for business owners and gig workers with irregular income.
Low or No Credit Score
Home Trust has no minimum beacon score - ideal for borrowers with bruised credit, thin files, or recent recoveries like bankruptcy or consumer proposal.
High Debt Ratios
Need more room to qualify? Home Trust uses extended GDS/TDS ratios - giving you more borrowing power when the banks say no.
Rental Property Investors
Grow your real estate portfolio with Home Trust’s rental property program - built for small landlords who want long-term equity.
Mortgages in a Holding Company
Incorporated? Home Trust allows lending directly to a holding company - no need to tie the mortgage to your personal name.
Current Posted Rates for Home Trust
Is Home Trust the smartest move for your mortgage?
I’ll help you find out — no guesswork, just answers.
Thinking of Using Home Trust? Here's What You Really Need to Know
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Got a property in mind? Haventree’s lending areas are based on the first 3 letters of the postal code (aka the FSA).
✅ Pro tip: Not every region qualifies—click here to check if your property's eligible . -
Oui. Yes. Both.
Haventree offers full bilingual servicing across Canada in English and French - making life easier for borrowers and brokers alike. -
This isn’t a one-strike-you’re-out lender.
✔️ Double bankruptcies?
✔️ Consumer proposals?
✔️ Even both?
They’ll look at the file case by case - no instant denials, no lazy underwriting. -
They offer both 1st and 2nd mortgages, making them a flexible partner for layered financing solutions or cash-out refis.
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Haventree is known as a short-term solution lender - typically offering 1- to 2-year terms.
Perfect for clients who just need a stepping stone before graduating to prime. -
They’re in the alternative lending space, but here’s the kicker:
Some of their rates aren’t far off from what you'd find at traditional banks—with way fewer hoops.
Factors to consider:
Does Home Trust offer Bilingual Service? Yes.
What kind of rates would they offer? Rates are based on risk level so the advertised rate is often lower than the offered rate.
Will Home Trust lend funds for a mortgage in a holding company? Yes.
Does Home Trust have any brick and mortar offices? No.
Does Home Trust have any other banking services? They have investing and credit cards.
