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.
The Home Trust visa card is the best i have ever had. I had something put on my card i didnt know. I called customer service and they fixed the problem right away. They really stand behind their products and their customers Excellent service Thank You
J’étais très confortable et eu un excellent service avec Mohammed !
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
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.
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!!!
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
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!
Always quick to respond 😃 With very helpful information to help me find and use the correct information. Very friendly and professional and warm demeanor George & Eleanore Frew
New Home Trust Visa customer. Have had absolutely zero issues with this card. Acceptance is pretty much everywhere. No being declined for no reason. Customer service is FAST to answer the phone and more than answer my questions. I was with a different company previously and had nothing but issues...Declines for no reason, poor customer service. Breath of fresh air dealing with the professionals at Home Trust. thank you for the great card and service!
I just wanted to give a major shout out to Anand Anantharajah for going above and beyond for helping me with my equity line visa. He was Incredibly responsive and involved. Made things much easier for me. Highly recommend him for any re financing or mortgage needs. -Victor
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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