Equityline® Visa*

The card that puts the equity in your home to work

  • Use your home equity to secure up to $100,000 in credit
  • Rates from 9.99% with low monthly payments
  • Earn 1% CashBack every time you make a purchase
  • Great for home improvement, debt consolidation, business financing and more

Get your equity working for you and earn 1% CashBack

You’ve worked hard to build the equity in your home. Now make the most of it with the Home Trust Equityline Visa—the card that lets you use your home equity to secure up to $100,000 in revolving credit and pays you 1% CashBack on every purchase you make.

Financial flexibility that makes your life easier

Using the equity in your home can make life a lot easier. By securing your credit through a mortgage, you can open up a whole new world of financial flexibility:

Consolidate high interest debts into one monthly payment

Renovate your home

Run your business

Invest in your child’s education

Whatever your goals, revolving credit is a low-cost, flexible way of achieving them. The Home Trust Equityline Visa offers you all these advantages—and more. In addition to providing you revolving credit and earning you 1% CashBack, it delivers all the benefits of a Visa card, so you have the ultimate in convenience.

Apply now

Earn 1% CashBack

With your Equityline Visa you’ll earn 1% CashBack on all of your everyday purchases. From paying your monthly bills and shopping at the drugstore, to buying groceries and filling up on gas, the Equityline Visa rewards you every time you shop.

See how quickly your CashBack Rewards could add up:

Annual CashBack $

$0
$8000
Monthly Purchases $

Enjoy these great benefits with your Equityline Visa:

  • No annual fee
  • Interest paid only on the credit you use
  • Visa Auto Rental Collision/Loss Damage Insurance1
  • Guaranteed hotel reservations
  • The Visa Zero Liability Policy for protection against fraud2
  • Purchase Security Insurance, so you can shop at ease3
  • Automatic minimum deductions from your bank account, to avoid late payments
  • Emergency card and cash replacement
  • Health and Legal Assistance services4
  • Convenient payment options using Pay Bills with Visa or your bank’s telephone and web banking services
  • Access to cash at any ATM displaying the Visa or Plus logos, or by writing a convenience cheque
  • Secure access 24/7 to your latest account information with Home Trust Visa Online

Financial flexibility that makes your life easier

Using the equity in your home can make life a lot easier. By securing you up to $100,000 in credit, it can open up a whole new world of financial flexibility.

Apply now

1 Visa Auto Rental Collision/Loss Damage Insurance: The Visa Collision/Loss Damage Insurance program is underwritten by Royal and Sun Alliance Insurance Company of Canada and is provided by a group policy issued to Visa Canada Association. Complete terms and conditions, including exclusions and limitations, are outlined in the Certificate of Insurance provided with your card.
2 The Visa Zero Liability Policy for protection against fraud: Certain restrictions, limitations and exclusions apply. The Visa Zero Liability policy protects Visa cardholders who have a Canadian issued Visa card and experience fraud through unauthorized use of their card. Visit www.visa.ca for more information
3 Purchase Security Insurance, so you can shop at ease: Purchase Security insurance is underwritten by Royal Sun & Alliance Company of Canada. Complete terms and conditions, are outlined in the Certificate of Insurance provided with your card.
4 Health and Legal Assistance services: Health and Legal Assistance services are provided by Sigma Assistel Inc. Additional coverage information is outlined in the Cardholder Agreement provided with your card. Rates and fees are subject to change without notice. Offer available in Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario and PEI.

How much can you save?

Use this calculator to determine how much you can save on your annual interest payments by consolidating your debts into an Equityline Visa:

Your results:

Annual savings
at 9.99%:

$0

Minimum monthly payment at 1%:

$0

Annual interest:

$0

Current interest cost

$0

Equityline Visa

This calculator is provided for illustrative purposes only. No representation or warranty is made as to the accuracy, applicability or in relation to the savings that will be realized in any particular case. Savings will depend on your existing levels of credit card debt, the interest rates applicable to that debt, and on credit worthiness.

How much can you borrow?

Use this calculator to determine the value of the line of credit you can qualify for by switching to an Equityline Visa:

Calculate

Your results:

You could qualify for a credit line of:

0

Calculation Breakdown:

$0

Your home value

$0

Total secured debt

$0

Available credit

How was this calculated?

You can qualify for up to 80%1 of the value of the property, minus the balance registered mortgages.

1Total Home Equity Line of Credit on Residential Real Estate cannot exceed 65% of the value of the property.
This calculator is provided for illustrative purposes only. No representation or warranty is made as to the accuracy, applicability or in relation to the savings that will be realized in any particular case. Savings will depend on your existing levels of credit card debt, the interest rates applicable to that debt, and on credit worthiness.