Home Trust
Home Trust Equityline Visa
Still open to new applicants as of August 2026. Turn your home equity into a Visa credit line with limits from $20,000 up to $1,000,000. Low rate of 6.99% to 13.99% based on your credit profile and collateral. No annual fee. No foreign exchange fees on international purchases. No prepayment penalties. Requires qualifying Canadian real estate as security. Not available in Quebec.
Starting an application here does not affect your credit score. A credit check happens only when the issuer takes it further.
Annual fee
$0
Purchase rate
6.99% to 13.99% (purchases; depends on creditworthiness and collateral)
FX fee
Not stated by issuer
Grace period
Not stated by issuer
What this card pays you
This figure reflects your spending profile against this card's published earn rates, minus the annual fee. Category caps, welcome bonuses, insurance and lounge benefits, and first-year fee waivers are excluded from this estimate.
We earn a referral fee if an application is approved. It does not affect this ranking. How we rank
Rewards in full
- No points or cash back
- value is the low interest rate of 6.99% to 13.99% depending on creditworthiness and quality of the real estate collateral, credit limits from $20,000 to $1,000,000, no annual fee, no foreign exchange fees, and no prepayment penalties
Rates & fees
| Annual fee | $0 |
|---|---|
| Supplementary card fee | Not publicly disclosed |
| Purchase APR | 6.99% to 13.99% (purchases; depends on creditworthiness and collateral) |
| Balance transfer intro | No intro offer |
| Balance transfer rate | 6.99% to 13.99% (same rate range applies) |
| Balance transfer fee | Not publicly disclosed |
| Cash advance | Not publicly disclosed |
| Foreign exchange fee | Not stated by issuer |
| Grace period | Not stated by issuer |
| Network | Visa |
Important information
Rates, fees, and offers come from the issuers and can change without notice. Confirm every detail on the issuer's site before you apply. We provide comparisons and application intake only; approval decisions rest solely with the issuer.