Following up was great
Following up was great, opening new windows and possibilities was appreciated.

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.
Following up was great, opening new windows and possibilities was appreciated.
I have been using their credit card for about 4 years now. This is not my primary card, and neither should it be yours. Pros: no foreign exchange transaction fee. I love this. No added fees when you buy something in USD or British pounds...etc. Unlike other credits cards, they will just convert back to CAD using the latest conversion rate. This is why I use their credit card when I travel outside of Canada. Or when I'm shopping online and paying in USD. Sadly, this is their only pros Cons: 1) Lack customer support. This is a small bank after all. 2) Oversensitive about fraud protection. I called them and told them I will be traveling to China. In China, I tried to buy a train ticket using trip.com. This was flagged as fraudulent and my card was locked. I get that Trip is a UK company and I said I was in China, but it wouldn't be out of the question that I was buying a ticket using a UK company. Not to mention I paid for my plane ticket and hotel while I was in Canada through Trip 3) Card deactivated because I was late on payment. I was late like 2 business days. This was back in 2019. I was in Halifax instead of my hometown. So I didn't get my credit bill in the mail. Nor did I check online for when my credit was due because I was on Holiday. Now I set up email billing notification to remind me when my CC bills are due soon. But it is ridiculous that they stopped my card because I was late for 2 business days. 4) Before I was getting my billing in mail. Often time I would receive it days before it is due. I use online billing now because I have to 5) No mobile phone app. I like to check my bills through mobile app. Biometric logins are so easy. If I check my hometrust billing, I have to go to their website and after a few wrong passwords your account will be locked and you will have to call them. Please make a mobile app. It will make all our lives so much easier. Not to mention if it supports biometric logins, I will never need to rememeber my password again. If you ever do this, I can see this becoming my primary card
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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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