Home Trust's full range of solutions give brokers more ways to guide their clients home
This article was provided by Home Trust
Trends indicate that borrower needs are evolving, and brokers are serving a broader range of clients than ever before. For Home Trust, that evolution is an opportunity. Building on over four decades of lending experience, the lender is strengthening its support to brokers by offering more solutions to meet the changing needs of today’s borrowers.
“Home Trust has always been about creating opportunities for our broker partners,” says Pierre Martin, Vice President of Mortgage Lending at Home Trust. “We built our reputation by helping brokers support clients whose paths to homeownership don’t always fit the conventional route. That commitment hasn’t changed, and we’re broadening it to offer brokers even more ways to get every deal done.”
This broader range of options is made possible through Home Trust’s merger with Fairstone Bank, a milestone that has strengthened the lender’s funding capacity, expanded product reach and united decades — in fact, nearly a century — of lending experience under one roof.
“This merger gives us the scale to do more for brokers and borrowers,” Martin says. “We now have the resources and agility to help brokers serve every kind of client, whether they’re looking for an alternative solution, a prime mortgage or to access the equity in their home through a reverse mortgage.”
Paving new roads
This year, Home Trust added two major extensions to its product suite, each designed to enable brokers in growing their business and bringing more clients home.
We’ll start with the most recent — on November 5th, Home Trust announced the return of Accelerator, the lender’s insured and insurable prime mortgage solution. With competitive prime rates, flexible features and trusted service, Accelerator enables brokers to keep more business under one roof.
“The return of Accelerator signals our promise to help brokers stay on track with their clients, from their very first home through renewals and upgrades all the way to their last home,” Martin says. “Prime borrowers now have access to the same reliability and responsiveness that built our name in the alternative space.”
And only weeks before re-introducing Accelerator to the market, Home Trust brought brokers something new: EquityAccess reverse mortgage. Available exclusively through brokers in Ontario and British Columbia, EquityAccess enables homeowners aged 55 and over to unlock tax-free, payment-free funds using the equity they’ve built, while they continue to live in their homes.
“EquityAccess empowers Canadians to turn their home equity into opportunity,” Martin says. “It’s a smart financial route for homeowners who want flexibility without giving up the place they call home.”
Together with Home Trust’s Classic mortgage for alternative clients, HELOC-like Equityline Visa, and a diverse commercial lending portfolio, Home Trust provides brokers with a complete range of lending options.
“We’re giving brokers a complete toolkit,” Martin says. “From first-time home buyers to business owners to retirees, Home Trust offers brokers the path to success.”
Built for brokers
At Home Trust, every mortgage begins with the broker. That exclusive broker-first model ensures that every product and process is designed with brokers at the centre.
“Brokers aren’t just part of our business — they are our business,” Martin says. “We work alongside them to deliver the best possible outcomes for their clients.”
That broker-first approach guides the continuous improvements behind the scenes, from responsive underwriting and dedicated BDM support to enhancements to the LOFT Broker Portal, where brokers can access real-time deal updates, resources, and tools that make the path from submission to funding smoother than ever.
Home Trust’s long-standing reputation for service excellence remains a key advantage. Brokers have frequently praise Home Trust’s service quality and support during the submission process.
“At a time when efficiency and reliability matter more than ever, our brokers know we’ll pick up the phone, deliver solutions and move files forward,” Martin says. “That reliability is foundational to our relationships.”
The journey ahead
Looking ahead, Home Trust plans to extend the EquityAccess reverse mortgage to more provinces in 2026, giving brokers a new way to serve a growing market across Canada.
At the same time, Home Trust continues to invest in technology and broker resources. Digital enhancements, process improvements and new initiatives will make it even easier for brokers to submit deals and navigate the deal process efficiently.
“We’re investing for the long term,” Martin says. “That means new tools, better service and more ways for brokers to build lasting relationships with their clients.”
The crossroads of scale and service
The timing of Home Trust’s evolution reflects a broader shift in the mortgage landscape. As borrowing patterns change and client profiles diversify, brokers face growing pressure to find flexible and reliable solutions.
“The mortgage market has changed dramatically,” Martin says. “Brokers are working with more unique client stories than ever. They need a lender who can meet all those needs under one roof—and we’re that lender.”
By merging Fairstone’s scale and capital strength with Home Trust’s specialized expertise and broker focus, the company has created a robust lending platform, while keeping the agility and personal connection that brokers value most.
“We’ve combined size with service, reach with responsiveness,” Martin says. “That balance gives brokers the confidence to keep every deal on the right road.”
All roads lead HOME
With a stronger foundation, an expanded suite of products, and a renewed commitment to broker success, Home Trust is redefining what partnership means in Canada’s mortgage industry.
Each product — Classic, Accelerator, EquityAccess, Equityline Visa and Commercial — represents different clients and different journeys, but they all lead to the same destination: confident brokers with satisfied clients.
“We want brokers to think of Home Trust first, because they know we have the scale, the products and the people to help their clients succeed,” Martin says.
For brokers, every client’s journey is unique. But with Home Trust, all roads lead HOME.
Brokers can learn more about the full suite of lending solutions by connecting with their Home Trust Business Development Manager.
