Equityline Visa Card
The Home Trust Equityline® Visa* Card combines the advantages of a line of credit with the convenience of a Visa card and all the benefits of Gold!

The Equityline Visa combines the advantages of a line of credit with the convenience of a credit card using the equity in your home as security.

The equity in your home is the difference between the value of your home and the amount you still owe on your mortgage or other home equity secured loans.

Your Equityline Visa is available to use any way you want. Whether it's those small everyday purchases, consolidating your debt or vacation planning, your Equityline Visa works for you.

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With Home Trust, you can borrow up to 65% of the value of your home less any mortgages on the property. Available credit will vary based on your property location, income, credit history and home equity available.

  • Residents of Canada who have reached the age of majority in their province or territory of residence.
  • Owners of single family, owner-occupied homes - valued up to $500,000 - in all major and suburban areas of Ontario with populations of over 25,000 may apply.
  • Homeowners who live in selected areas of Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, PEI and Québec may also apply.
  • Owners of properties valued at over $500,000 will have their applications reviewed on a case-by-case basis.
  • Home values will be verified with a property appraisal from a Home Trust approved appraiser. As well, your existing institutional first mortgage must be up to date and in good standing. (Our application process is title based, no guarantors may be used.)

Home Trust takes a very flexible approach to income verification. We know that many of our customers are self-employed and look at each application accordingly.

Yes, condominium owners can apply. High-rise condo owners may borrow to a maximum 65% Loan to Value (LTV).

Loan to Value is the ratio of the total mortgage balance owing divided by the fair market value of your home (including the amount you are applying for).

Yes, there are some restrictions: the product cannot be registered behind a private mortgage.

No, corporations may not apply.

Yes, in all provinces excluding Québec, there is a one-time account set-up fee of up to 3% of the approved credit limit and a title insurance fee. A title search fee of $35 may also apply. These will be charged to your account and appear on your first statement.

In Québec, a $100 annual membership fee and a collateral security fee of $700 will apply. Both will be charged to your account. The collateral security fee may vary if the application includes a first mortgage with Home Trust or if a notary is appointed to act bahalf of the applicant.

Home Trust uses either FCT Insurance Company Limited (FCT) or FNF Canada (FNF) as its representative to prepare and register the documentation required to secure your Equityline Visa. Both FCT and FNF offer convenient, personalized service that allows you to have this documentation signed or executed in the comfort of your own home.

The costs vary by province:

A beacon score is another name for a credit score as calculated by Equifax, a leading credit scoring agency. The score is calculated by factoring details of your personal credit history.

The minimum monthly payment is half of most other major credit cards, at 1%, 1.25% or 1.5% of the outstanding balance or $10.00, whichever is greater. Your minimum payment term will be based on your income, credit history and home equity available.

  • There is no annual fee with your Equityline Visa in all provinces except Québec.
  • In Québec, a $100 annual membership fee will apply.

You can make purchases up to your credit limit. The amount of credit still available at any point of time will vary depending on your current outstanding balance.

A pre-authorized chequing form is required for every account. The minimum monthly payment of 1%, 1.25% or 1.5% of the balance or $10 (whichever is greater) will be deducted from your bank account each month on the payment due date as shown on your monthly Visa statement. Additional payments can be mailed in the envelope provided with your monthly statement. You also have the option of paying through online and telephone banking through the Bank of Nova Scotia, Toronto Dominion Bank, Canadian Imperial Bank of Commerce, Royal Bank, The Alberta Treasury, President's Choice Financial and the Bank of Montreal.

The grace period is the time between the statement date and the payment due date during which you are not charged interest on your purchases. Equityline Visa has a grace period for payment of the purchase balance of at least 21 days, if we receive payment in full of your outstanding balance by the due date (in Québec, payment in full of your outstanding balance by the current statement due date). Cash advances are not included in the grace period.

The Equityline Visa Card is yours as long as you own your home.

There are many ways to access your line of credit:

  • write a convenience cheque
  • use any ATM machine with a Visa logo
  • use your credit card!

Yes, you can withdraw money from an ATM or visit any bank branch with a Visa logo.

Home Trust registers a mortgage as collateral security for your Equityline Visa Account. When you close your Account and that mortgage is paid out, we discharge that registration with a provincial land registry office and charge a discharge fee for that service. The fee varies by province, and is subject to change:

  • Alberta - no fee
  • British Columbia - $75
  • Manitoba - no fee
  • New Brunswick - $200
  • Newfoundland & Labrador - $200
  • Nova Scotia - $200
  • Ontario - $295 plus $70.50 if discharge done online
  • Prince Edward Island - $200
  • Québec - no fee

Flexibility

Find out more about all the features, flexibility and convenience of Equityline Visa.

Questions

We're here to help you get the credit you deserve. Contact one of our Customer Service Representatives today.

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® Registered trademark of Home Trust Company. *Visa Int./Home Trust Company, licensed user of mark.