Flexibility

• Use the equity in your home to secure a credit limit of up to $250,000¹.
• Use only what you need, when you need it, up to your available credit limit.
• Use it for consolidating higher-interest debt, helping with business start-up or operating costs, or even for managing unexpected or everyday purchases - it's entirely up to you.
• Monthly payments as low as 0.75%, 1%, 1.25% or 1.5% of your outstanding balance or $10, whichever is greater ².
• Make additional payments at any time without penalty.

Saves You Money

• Competitive interest rates of 4.99%, 5.99%, 6.99%, 7.99%, 8.99%, 9.99%, 10.99%, 11.99%, 12.99%, 13.99%,14.99% or 15.99%². The annual credit rate in Québec is 7.99%, 8.99%, 9.99%, 10.99%, 11.99%, 12.99%, 13.99%², 14.99% or 15.99%.
• You only pay the interest on the credit you have used.
• Replace high interest bills with one lower monthly payment.
• No annual fees in all provinces except Québec.
• In all provinces except Québec, a one-time account set-up fee of up to 3% of the approved credit limit will be charged to your Visa account.
• In all provinces except Québec, a legal fee of approximately $350 to $780 (varies by province) and a title search fee of $35 will be charged to your Visa account³.
• In Québec, a $100 annual membership fee and a $700 collateral security fee will apply. Fees may vary if the application includes a first mortgage with Home Trust or if a notary is appointed to act behalf of the applicant.

Convenience

• Apply only once - and it is set up to use when you need it.
• Access your credit by writing a convenience cheque, using any ATM with a Visa logo, or using your Visa card.
• Accepted in approximately 600,000 locations across Canada, in more than 150 countries with access to more than 950,000 Automated Teller Machines worldwide.

Gold Visa Benefits

• Auto Rental Collision/Loss Damage Insurance:⁴ Save money by being able to waive the coverage offered by the car rental company!
• Emergency card and cash replacement: If you need an emergency cash advance or replacement card, just call Visa at 1-800-847-2113, 24 hours a day 7 days a week from anywhere in the world.
• Guaranteed hotel reservations: When you charge hotel reservations to your Home Trust Equityline Visa card, be sure to request a "guaranteed reservation." That way, your room will be held, even if you arrive later than expected.
• Health and Legal Assistance Services:⁵ Whether traveling or at home, you have a source to turn to when you need medical or legal information on a wide range of topics. Call 1-866-358-4140 for access 24 hours a day, 365 days a year to Assistance Coordinators who can refer you to health and legal experts.