Home Trust’s Classic product is renowned for its flexibility as an alternative lending solution, offering a viable option for those seeking alternatives to private lenders. They don’t publish a rate sheet; rates are quoted on a case-by-case basis. The Classic is known for quick closings and flexible lending guidelines, accommodating borrowers with credit issues or those needing significant loan amounts. Its Stated Income Business for Self (BFS) program requires 12 months of bank statements and is flexible with income sources, including foreign income and down payments. It’s particularly suitable for those with varied financial backgrounds, offering a more inclusive borrowing option.

Key details

Max Loan to ValueMax Loan to Value (LTV) is the largest loan you can get based on your home's value. For a $500k house, 80% LTV means you can borrow $400k or pay $100k down. 80% of Home Value
Credit ScoreThe minimum credit score required to qualify. If you don't know your score, reach out and we can help. No minimum
Max Amortization 30 years
Mortgage Amount $ 50K - $ 24M

Rates and fees

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Disclaimer: This rate table represents the best rates available from this lender. Rates and fees may depend on several factors, such as your Loan to Value, credit history, income, property use, property location, etc. For a precise quote, fill out the form at the bottom of the page for a no-obligation call.

More information

Purchase Refinance Equity Takeout
Property Types
Detached Semi-detached Condo Townhouse Duplex Triplex Fourplex
Credit Challenges Borrow More Rental Program
Holding Company Quick Funding Foreign Down Payment Foreign Income

This section lists what the lender either does accept or they may consider on a case-by-case basis depending on the rest of the application. If it’s case-by-case, we try and include a note in the policy details to help give more specific information. But keep in mind alternative (private and ‘b’) mortgages are situation dependent and some of the above items can’t be combined. If you’re unsure or have a question, please fill out the contact form at the bottom of the page or speak with your mortgage professional.

About the Lender

Home Trust, one of Canada's largest trust companies, offers a comprehensive range of services, including mortgages and deposit products. It is known for its alternative residential mortgage offerings, serving borrowers who may not meet the traditional requirements of major financial institutions. This commitment to alternative lending has helped Home Trust carve out a significant presence in the Canadian financial services sector.

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The content on this website is for informational purposes only and does not constitute professional advice. Policies, rates, and fees are subject to change without notice at the lender’s discretion. There may be additional costs not mentioned on this page. Cost of financing is depends on the situation, and it is the responsibility of your mortgage professional to disclose that information at the time of application. In the event of a discrepancy between this page and the lender, the lender is assumed to be correct. Before making any financial decisions, please consult with a qualified mortgage professional. By using this website, you accept the above statement and our terms and conditions.