Home Trust Mortgage Renewal
Home Trust is a go-to B-lender for self-employed Canadians and files that don't fit Big 6 boxes. At renewal, verify whether you've graduated back to A-lender pricing.
Reviewed by Scott Dillingham · Licensed Mortgage Agent (Ontario, Level 2) · Updated May 22, 2026
Your bank only shops one shelf
Key Takeaways
- • Common for self-employed renewal and bruised credit.
- • Broker-only — your broker benchmarks Home Trust vs. Equitable, Haventree, and monolines.
- • Improved income docs may qualify you for A-lender rates at renewal — don't auto-renew without shopping.
Related Guides
Best Mortgage Renewal Rates
Current best renewal rates — fixed and variable — across Canada.
Switching Lenders at Renewal
How to change lenders at renewal — prescribed-MQR exempt on uninsured straight switches; overlays remain.
Equitable Bank Renewal
Alt-A and PATH products — renewal through the broker channel.
B-Lender Renewals
Alternative lenders for bruised credit, self-employed, or rentals.
Bad Credit Renewal
Renewing when your score has dropped — A, B, and private options.
Using a Broker at Renewal
How a broker shops 30+ lenders at no cost to you.
Your bank only shops one shelf
Compare your renewal offer across lenders — prescribed MQR exempt on uninsured straight switches; overlays remain.