Home Trust is a Canadian financial services company that specializes in providing a range of mortgage products, credit cards, and investment options. The company caters to individual consumers and families seeking flexible financing solutions, particularly those with unique financial situations or who may not qualify for traditional lending options. Home Trust's offerings include residential mortgages, reverse mortgages, and Visa credit cards, making it a comprehensive resource for personal financing needs. With a commitment to facilitating access to financial products, Home Trust aims to support its customers in achieving their homeownership and investment goals. The company's user-friendly platform allows clients to explore various financial solutions tailored to their specific requirements, ensuring that they receive the assistance needed to navigate the lending landscape effectively.
Home Trust receives overwhelmingly negative feedback from consumers, with many expressing frustration over poor customer service and issues related to their credit cards. Reviewers frequently mention problems with fraud detection, stating that transactions are often flagged incorrectly, leaving them stranded and without support.
While some customers praise the Home Trust Visa card for its service, particularly highlighting the assistance provided by staff like Mohammed, these positives are overshadowed by complaints about the company's handling of fraud cases and inconsistent communication. Many people describe their experiences as akin to dealing with "loan sharks," citing unexpected fees and arbitrary changes to loan terms. The overall sentiment reflects a significant dissatisfaction, leading to a strong recommendation to avoid this company.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 1.8 | 75 | 100% | +0.7 | ● Low |
Monthly average rating from reviews written by people · latest review Jun 2025.
| Month | Average | Reviews |
|---|---|---|
| Jul 24 | 3.0 | 1 |
| Aug 24 | — | 0 |
| Sep 24 | 3.0 | 2 |
| Oct 24 | 1.0 | 2 |
| Nov 24 | 1.0 | 4 |
| Dec 24 | 1.0 | 2 |
| Jan 25 | 2.3 | 3 |
| Feb 25 | 1.0 | 2 |
| Mar 25 | 1.0 | 3 |
| Apr 25 | — | 0 |
| May 25 | 5.0 | 1 |
| Jun 25 | 1.5 | 4 |
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 75 most recent reviews.
“I called customer service and they fixed the problem right away”
“When I called Oaken customer service on Feb 27, Anne told me that 2024 TFSA information from Oaken should have been...”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Loans & Mortgages.
| Company | Overall | Legit | Service | Value | Website & app | Trend | Reviews |
|---|---|---|---|---|---|---|---|
 | 1.8 out of 5 (poor) | 100 out of 100 | 2.1 out of 5 (poor) | 1.4 out of 5 (poor) | 1.3 out of 5 (poor) | +14% | 75 |
| 4.3 out of 5 (good) | 100 out of 100 | 4.2 out of 5 (good) | 1.6 out of 5 (poor) | 3.3 out of 5 (fair) | +39% | 1,000 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.6 out of 5 (good) | 3.5 out of 5 (good) | 4.8 out of 5 (good) | — | 1,000 | |
| 4.2 out of 5 (good) | 100 out of 100 | 4.0 out of 5 (good) | 1.8 out of 5 (poor) | 1.5 out of 5 (poor) | −19% | 618 | |
| 4.7 out of 5 (good) | 100 out of 100 | 4.5 out of 5 (good) | — | — | — | 27 |
Bottom line: Home Trust is #5 of 5 on overall rating in this group. On website & app, Oodle Car Finance scores higher (4.8 vs 1.3).
75 reviews of Home Trust. Filter by what matters to you.
Tried to change my pin on their phone system. But it doesn't work. Then I called the customer service. The lady spent a few minutes to verify my ID. After that, she told me she can't do it for me. I must need to go back their phone system. Why doesn't she tell me right at the beginning!!
Anand Anantharajah was extremely polite and professional while he helped me find the best solution for my financial situation. He is very knowledgeable and competent and.I hope I am lucky enough to deal woth him next time I reach out to.Hometrust
We had an absolutely nightmare experience with Home Trust for our mortgage. We initially signed a one-year mortgage with a 6.8% interest rate. During that year, there was a 0.5% rate cut in the market, but when it came time for renewal, Home Trust offered us an outrageous 8.04% interest rate. They knew full well that we were stuck and that switching lenders at this point would be nearly impossible. It felt like a trap, with no real way out. I would strongly advise against using them—be prepared to face big trouble at renewal!
Anyone can write a CrowdTrust review. People who write reviews have ownership to edit or delete them at any time, and they'll be displayed as long as an account is active.
I have been using the Home Trust Visa for travelling purposes and so far the exchange rate was comparable to the market exchange on the transaction date. I usually check the market exchange us to can before I charge it. But recently, I found out they are not using the market currency exchange, and that's why I found the rate is higher. After I spoke twice with their customer agents who was not knowledgeable and professional, also not helpful, they actually use visa.com exchange rate which is little higher than the current market exchange rate. Yes, they don't charge exchange fee which is still lower than regular credit cards or banks. As long you call them before you travel, then you won't have a problem using at other countries. This card is good to use as long you don't have a problem, else their agent won't able to help you much as they are not well trained. Now, I do check the rate at visa.com before I use it.
If it was mine choice I would not give them a star at all very poor service they take your house instead of talking,they take your things and don't replace them still fighting to get my things back that they took. They don't listen very poor service and staff I would tell people about them I would not send them business they are terrible to deal with never again.
Less than a week before leaving the country I realized my Visa had expired and the replacement had been sent to my old address (recently moved and I forgot to update). I called HomeTrust and spoke with Darlene who was so friendly and helpful. They were able to update my address, add a travel advisory to my card and sent the new card by courier so that it arrived in time for my trip.
I worked with Mohammed Boutaleb (Mohammed.Boutaleb @hometrust.ca) to help me refinance my home. It was an actual pleasure to do so with him. Enjoyable conversations, detailed information on what is needed and what will happen throughout the whole process. He fought for me to get what I need and made everyrhing happen stress free. This is the kind of service that would keep me as a client for a lifetime. I highly recommend M. Boutaleb!!!
If I could leave zero stars I would. I sent $500 for a secure visa. Home trust did not state in the application that it expired after 90 days. I sent it maybe a week after the 90 day period. Home Trust claims they automatically rejected the money & sent it back to my bank account (even tho they didn’t know my bank account number). Said I have to wait 10 business days for it to appear in my account. It’s been 12. I have filed a dispute thru RBC, to get my money back. The customer service with home trust visa is literally atrocious. They stole my money. And are blaming my bank RBC.
Following up was great, opening new windows and possibilities was appreciated.
Their system is down but no warning, instead access is denied “because of too many sign ins” and calling them does not indicate the problem with an automated announcement. Credit limit increases are ridiculously incremental. They must have a very low opinion of who their clientele is.
Mohammed provided great service. He kept us updated of all the things needed. He’s always there to answer all of our inquiries. And most of all he was pleasant to deal with, he was very accomodating and he knows what he was doing.
I am happy with their service. I would like to say thank you to Mohammed for assisting me and my husband dealing with all the requirements that we need. Really appreciate your help. Thank you again. Have a good day
If I could give this company negative stars I would. The worst mortgage experience I have ever had. Where do I start? Leaving an $8,000 certified cheque with reception and it went missing. Being lied to during the pandemic by telling me the deferred payments during Covid could be added to the principal after the pandemic was over only to have to pay them back all of the deferred payments in one shot which was impossible, especially after being off work for several months during the pandemic. Horrible customer service and the people on the phone always had some sort of rudeness whenever I called them - from the reception to whoever I was talking to. AWFUL!!! AWFUL!!!! AWFUL!!! Never ever do business with these criminals. They should rename their firm “HomeBust”.
DO NOT USE THIS BANK!!!! In 2022 I had some financial difficulties and I had to rearrange and prioritize payments to keep everything afloat. I prioritized the bills that were sending me notices so we could still eat while I got back on track. They had my van repossessed with zero notice right before a holiday. I could have rearranged things and paid if they had given me notice, but they didn't bother. It cost me an extra $2k to get my van back, which meant getting even further behind on everything else. I tried to get back on track with my payments, but the numbers don't match between the online system and the statements. The transaction history doesn't show how funds were applied, so I just guessed and added $100 to the standard payment on the statement. I got a new phone and changed my phone number online. They reverted the 2-factor authentication back to my old number so I got locked out of my online account. I had to call twice to get my phone number changed so I could get back into the website where the numbers still don't match! As far as I can tell the extra payments just went into limbo somewhere and I can't figure out where. I finally got to where I can just pay off the remaining balance and now they're demanding an extra $1,300 for an insurance policy I didn't sign up for. I never received any paperwork for this policy. It doesn't show up anywhere in my statements or any of the transaction history. Despite obvious errors on their part, they have been completely unwilling to make ANY adjustments or considerations while being smug and condescending.
Mohammed Boutaleb was extremely knowledgeable, helpful and his response time was really quick. Everything went smoothly and my personal deadline was met 1 week before I needed it to be! Customer care at it's finest, I highly recommend you reach out to Mohammed to have your financial needs met! thank you for all your help!
This card is awful, they decline so many transactions as suspicious; an uber ride is suspicious? customer service is online to India; any foreign transaction is declined as suspicious - so what's the point of the no FX fee? what's the point of a card that gets declined all the time by fraud department as suspicious? This card has no value
Damn. Well… where do I start. Caustic sounding music while you are on hold. Made to make u want to hang yourself. Then ( from an accredited mortgage specialist dear friend of mine) you get 4 to 5 weeks to decide if u want to renew with them. While big buy and girl lenders give u twice that time. This morning was the proverbial straw…I was instructed by a manager that u receive confirmation of ur choice of mortgage by mail AFTER your term is up. Which is a lie. For at least ten years of renewing with home trust I received confirmation at least BEFORE the term is up You are left wondering if they even received the faxed docs. If you, at all, can avoid getting in bed with these gaslighting people this company who BLATANTLY put profit maximization above customer service, WITH IMPUNITY, you will save yourself some dignity and cortisol secretion. Caveat emptar
I infrequently use Home Trust Visa but did use it on a recent trip. Today I got a notification that "your statement is now available to view online". Today is January 30. The statement was generated January 9. Payment due date is January 30. No prior notifications were sent about my statement being available so the first time they tell me my statement is ready is THREE WEEKS AFTER IT WAS GENERATED. Now my payment will be late, my credit rating will be decreased and Home Trust makes money on my late payment fees. My next email to Home Trust will be to cancel our card. Here is Home Trust's reply to my complaint. No offer to assist with my late payment or anything. If they knew there was a problem WHY DIDN'T THEY NOTIFY CUSTOMERS????????? Statement alerts should be generated when statements are ready. Home Trust is aware of the delay with the notifications this month and is prioritizing its resolution to prevent future occurrences. We extend our apologies for any frustration and inconvenience caused. Regards, Home Trust Company Home Trust Company
Home Trust is a Canadian financial services company that specializes in providing a range of mortgage products, credit cards, and investment options. The company caters to individual consumers and families seeking flexible financing solutions, particularly those with unique financial situations or who may not qualify for traditional lending options. Home Trust's offerings include residential mortgages, reverse mortgages, and Visa credit cards, making it a comprehensive resource for personal financing needs. With a commitment to facilitating access to financial products, Home Trust aims to support its customers in achieving their homeownership and investment goals. The company's user-friendly platform allows clients to explore various financial solutions tailored to their specific requirements, ensuring that they receive the assistance needed to navigate the lending landscape effectively.
This profile hasn't been claimed by the business owner.
