Home Trust Secured Visa

Home Trust secured Visa signature

Home Trust Secured Visa, improve, build, rebuild, improve your credit, get all details and apply online.

Learn how it works, apply online now, get your visa in the mail soon.

Helps you improve and control your credit

This Visa reports monthly to both Equifax and Trans-Union.

To assure accurate and timely processing of this application, please review the following:

Security Deposit: The preferred method is to send a personal cheque drawn from your Canadian Bank account; third-party cheques are not acceptable. The minimum deposit amount is $500.00 and the maximum is $10,000. Please make the cheque payable to Home Trust Company.

When providing a personal cheque as a security deposit, if you know that your credit bureau is less than 6 months old, the maximum deposit amount we can accept is $1,500.00. Additionally, please also include a copy of a utility bill (which shows your name/address) or 2 pieces of photo ID (Government issued).

We can also accept a Canadian bank draft or money order. However, with this payment method, you must also include a copy of a recent Bank statement (showing your name, the name of your Financial institution, type of account (i.e., savings, chequing) and your partial account number).

Consumer Proposal: This product is available to clients in a Consumer Proposal; letter of good standing is not required.

Bankruptcy: This product is NOT available to those who are currently bankrupt, however, applicants who have been discharged from bankruptcy can apply at any time, but must include their “Certificate of Discharge” with their completed application.

Secured Visa applications along with their respective deposits/additional documents can be mailed to 145 King Street W, Suite 2300, ATTN Visa Department, Toronto, ON M5H 1J8.

Get control on your own credit, select the Home Trust Secured Visa of your choice:

No Fee Secured Visa CardLower Interests Secured Visa Card
No Fee Home Trust Secure VisaLower Interest Home Trust Secured Visa

Be prepared for your mortgage

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Be prepared for your mortgage

Plan Ahead and SaveAnticipating for your coming mortgage renewal, refinancing or home purchase will always pay off, it’s a smart decision and an excellent financial practice. Since you are not in control of all the factors that affect your future transaction, it is most convenience to stay ahead of the curve.

Unless you prefer the stress of higher interest rates, mortgage penalties and being declined in the worse scenarios, you surely want to plan ahead every step of your coming mortgage process.

Whether you know where to start or you have no clue, that is not the issue here, because with the right guidance, all you need to know is why you want or need a mortgage. We’ll take care of the how and perhaps even the when.

Timing is important, have your mortgage assessment practiced 6 months ahead to avoid rate increases, missed opportunities, or even false expecttations

If you are a first time home buyer,  planning to renew your mortgage or to refinance existing debt and would like to know about your mortgage, prepare the following before you arrange your mortgage assessment meeting.

  • Personal picture ID’s including your SIN
  • Employment history
  • Information about your income and most recent supporting documents
    • If not all your income can be supported, detail what you can and the type of income you earn (Waitress tips, construction workers, etc)
  • Details about your financial commitments or debts
  • Details about your savings
  • Your home rental or living history
  • Current mortgage statement (for renewals and refinancing)
  • Have your questions ready

There are always more chances you help you when you plan ahead of time

Practice your mortgage assessment, then just follow your strategy, say NO to procrastination and achieve your goal. Where there is a will, there is a way!

Apply On Line

 

 

Need extra income?

financial-freedom-exit

Home equity line of credit

Line of CreditHome equity line of credit is a mortgage loan in which the collateral is the available equity in a property, It could be a first or second mortgage

Learn how to get needed funds from the unused equity in your home with a simple online application today – “Your home equity, your funds”

What can you use your line of credit for?:

  • Consolidate debts.
  • Investments
  • Home Renovations
  • Support family in need
  • Travel en leisure

Apply for your line of credit regardless of your credit score

If it is a second mortgage, the lender doesn’t necessarily have to be the lender which facilitated the first mortgage loan.

Not all lines of credit are equal, “Your credit – Your rate”

Get your home equity line of credit before rates go up!

Ask about the new home equity line of credit just introduced by one of our major lenders to assist you with a quick approval and low rates for excellent credit or not so good credit.

Apply it online, to submit your no commitment application now click here

For a limited time, obtain your free robust Real Estate Valuation Report with your mortgage summary. Submit your online application now

A home equity line of credit can be used to finance business or consolidate commercial and credit card debts, students tuition, funeral expenses, business cash flow, vacations and more

Mortgage assessment application

Assets, debts, and property description to be completed in a separate form

Applicants that will be in the mortgage application

Applicant information

Employment and income of the applicant

If the length of the employment above is less than 3 years please complete the following previous employment information

Presenting supporting income documentation speeds up the process, response & funding time

About the mortgage being requested?

This is a secured mortgage assessment application request


 

Call or text 416-262-7139
Contact meApply On Line