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.
Hello, We were your customers in 2015 and we refinanced our home mortgage. Went terrible as the amount was so high and we found TD bank to help us in 2017. TD was a great help. I wouldn't go back to Home Trust. Very expensive interest fees. Nothing left in my bank book at the end of the month.
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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.
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