If you currently have a mortgage with Home Trust, you may have received a renewal notice that includes a higher-than-expected interest rate. You’re not alone. With borrowing costs on the rise and lending rules becoming stricter, many Home Trust clients are beginning to question whether they’re really getting the best deal.

Why Are Home Trust Mortgage Rates Higher?

Home Trust plays a unique role in the Canadian mortgage landscape. They typically serve borrowers who don’t qualify for traditional bank mortgages—self-employed individuals, newcomers to Canada, or those with previous credit issues.

While their flexibility is useful, it often comes with a trade-off: higher-than-average interest rates. And unfortunately, when your mortgage term ends, renewing with Home Trust often means continuing to overpay—even if your financial situation has improved.

A Smarter, More Affordable Solution with Cannect

At Cannect, we believe that borrowers deserve better options, especially when they’ve worked hard to improve their financial standing. If you’re self-employed, have inconsistent income, or have simply outgrown a high-interest mortgage, we’re here to help you transition into a more affordable solution.

Unlike traditional lenders that offer rigid, high-cost products, Cannect looks at the full picture. We provide competitive rates based on your current financial health—with no hidden fees, no fine print, and no pressure to accept a renewal offer you don’t fully understand.

Thinking About Refinancing or Renewing? Here’s What We Offer

If your Home Trust mortgage is up for renewal—or you’re considering refinancing before the term ends—Cannect can provide:

• Lower interest rates than Home Trust
• Flexible approvals for self-employed and credit-rebuilding borrowers
• Transparent pricing with no commissions or hidden fees
• A streamlined, stress-free refinancing experience

We’ve helped thousands of Canadians break free from high-interest loans and secure smarter, more manageable financing solutions.

Real Results for Real People

Our clients include entrepreneurs, recent immigrants, and families who’ve overcome credit setbacks. What they all have in common is this: they found relief and financial stability through refinancing with Cannect. Because we’re not limited to one lender or institution, we tailor every mortgage to the client—not to a quota.

With Cannect, you get transparency, personalized guidance, and a partner that advocates for your long-term financial health.

Before You Renew, Talk to Cannect

If you’re holding a Home Trust mortgage, there’s a good chance you’re paying more than necessary. Don’t feel pressured to accept your renewal letter without exploring your alternatives.

Let’s talk. A short consultation could save you thousands of dollars in interest and help you find a better path forward.

Want to explore your options?

Contact us today or fill out a short form online. One of our mortgage experts will walk you through the best options available—clearly, honestly, and without sales pressure.

Also, be sure to check out our Make Money Count videos, where we explain current trends in the mortgage market and provide useful financial strategies tailored to today’s borrowing challenges.