Home Trust Bewertungen 

If there is a way to rate it as -1 I would have. Poor customer service. Agent does not listen and choose to be repetitive with explanation.

Home Trust is an excellent company for any type financial needs. They are so helpful, polite, and go over and above to help you. I have never had a problem with them and I Definitely recommend them to anyone needing a mortgage, or financing for renovation, or anything else 10/10.

I have a Home Trust Visa with a $500 credit limit. The credit was established by depositing $500. I have paid the card off in full. There is actually a $1.24 credit on top of the $500. They are telling me it will take 30 to 45 days to receive my $500 deposit. I told them that was unacceptable, and I spoke to a supervisor who sounded like a robot reading from a script, telling me the policy and the terms and conditions. What Home Trust Visa is doing is holding my $500 ransom and making interest on it. I advised them if this was not resolved by Friday of this week, I would be attending their head office on King Street in Toronto. When the call was escalated, they offered my $500 back quickly if I paid them $39. Do you think that is fair—that they are holding my money ransom and want another $40 to release it? This is a horrible company. I do not recommend it to anybody. If you have a poor credit score, ignore this company and find somebody else. Use Trustpilot—they have a 1.4 score. I am scoring them one for the horrific level of customer service I received.

Worst company I have ever dealt with across all disciplines and businesses. Stay away. Predators that lie to you. They should be shut down.

Terrible customer service.

The call centre is full of agents reading from scripts with little ability to actually solve problems. I've been given incorrect information multiple times and wasted countless hours on the phone fixing mistakes that should never have happened.

I received fraud alerts for transactions that had already been investigated, had my Visa reissued unnecessarily, which locked me out of my account for weeks, and was even issued duplicate refunds with no explanation whatsoever.

Every interaction ends with scripted apologies but no real answers. Getting a supervisor is a battle, and accountability is nonexistent.

I cancelled my card just to avoid dealing with them. Do yourself a favour and bank elsewhere. Just a headache.

I had successfully used Home Trust Visa on a prior trip to Amsterdam. However, on our recent trip to Italy the card was declined everywhere. What a frustration trying to deal with a non-functioning credit card while on a European vacation! After emailing them, they required that I go through a convoluted collect call process in order to resolve the problem. Not worth the hassle while on vacation, so I used my foreign transaction fee credit card instead.

Never again will I use Home Trust Visa because they cannot, in fact, be trusted.

They have extremely poor communication, have no app to access account and unless you are willing to use an usecure browser like Chrome or Safari you won't be able to access your account online. Oh, and if you got this card for travel, beware that even if you notify them in advance of your travel you may find that they've blocked your card without letting you know. So make sure you have at least one additional card when you travel.

These people are despicable.

Stay away from HomeTrust Mortgage. Their customer service is unprofessional and poorly trained. Getting answers is extremely frustrating, and no one seems to know what they’re doing. Their website is also outdated, confusing, and not user-friendly. Overall, a very stressful experience. I would not recommend them.

Was forced to use a "B" lender as traditional banks require you be retired more than 2 years to qualify your income. This company is nothing but pond scum. Avoid using this service at all costs. Was locked into a very high rate for 2 years and the penalty to get out was having to pay the full two years of interest charges. The renewal offer they sent was criminal after two years....would require a full renewal with a $2000 charge of requirements. Qualified for an "A" lender and they still found ways to gouge some more on the way out. This company should be investigated !!!!

Phoned customer service twice and confirmed notes are put in my account for traveling to the orient. Yet transaction was declined. Called using my vacation time and they made me wait for 30 min. They sent payment authorization email to address which I told them to delete years ago. It's unbelievably inefficient and frustrating to deal with. I will stop using the card first chance I have and use WealthSimple instead. Even more frustrating that they tell me to call them tomorrow to find out if the block on my card is removed. I said What! Why you frustrate your customer by giving them more work? I said send your confirmation by my valid email address. That CS said it's not up to him. I will put in the note. I am furious. Enough said.

Home Trust Visa together with Visa International are useless . Avoid if you can

i mislaid my Home Trust visa card 3 days before overseas travel. Called on sunday and card cancelled . Had to call again monday to order new card . monday they said call lost card dept. i did they said call customer service again. Finally found an agent to arrange new card. it takes 2-3 days to rush a card . no good as i’d be away. Ah they said we arrange an emergency card vis Visa International to be sent to my hotel abroad. Several calls and e mails later Visa intl say ill receive my emergency card on the monday ( i flew out weds and landed thursday ). monday no card. Tuesday Visa Intl say courier issues and card would arrive by Weds 5pm
i left hotel 12 noon that weds and was flying out so i said cancel this ‘ emergency card ‘.

i arrive home find replacement card in mail. i activate it but told its on hold for 24 hrs because of emergency card. finally try to use it - declined twice. phoned home trust where agent said i was not sent a new card just a virtual card despite my telling her i can send her a photo of it. i’m told to phone back later

Utter incompetent banks. so for 18 days no access to my card account . luckily i had a mastercard !

Horrible company. Avoid their visa card.

EVERY login requires an SMS code.

Hopefully one day this company will join us in the 21st century and create an app with face ID.

Il tasso di interesse sembra relativamente alto. Il servizio clienti è difficile da contattare, la risposta non è rapida.

This business has forced me into bankruptcy. My last renewal without anything added to my mortgage exploded from $800 per month to almost $1300 per month putting incredible strain on my finances. Not to mention a charge for every little bit of assistance you may need. I have been unable to get a straight answer from them as to why my mortgage has increased so much ? Who ‘s new kitchen have I just financed ? Not mine.

I wish I could give a negative star.
First signed all papers and then they cancelled everything without any logical explanation. Unreliable team.
Worst company ever 👎

WORST WORST WORST WORSTTTTTT LENDER EVER!!!!
AGENTS ARE RUDE AND LAZY, THEY DON'T KNOW WHAT THEY'RE DOING, EVERYBODY GIVES DIFFERENT INFORMATION, DIFFERENT TIMELINES TO FULFILLED REQUESTED SERVICE, AND THE MANAGER APPARANTLY DOES NOT USE AN EMAIL, SO HE/SHE IS WELL-GUARDED TO OPT OUT FROM EXTERNAL CUSTOMER SERVICE BURDENS.

Home Trust is not a bank; it is a liquidation machine. > They specialize in "The Great Peel-Off"—taking vulnerable homeowners and trapping them in a subprime nightmare. As they merge with Fairstone, they are aggressively "cleaning their books" by fast-tracking foreclosures on seniors and small businesses. Their AI-driven "black box" decisions move at light speed, intentionally outrunning a homeowner's ability to react. No mercy, no human oversight, just automated predation.
If you’re directed here, you aren’t being helped—you’re being liquidated.

Beware Home Trust Mortgage fees. We just paid out a mortgage to return to Big-6 bank, administration fees, tax account handling fees, maintenance fees - almost $1600 on a two year term. On top of the 1% fee taken to fund the mortgage, although I blame the broker for that one - had no idea what it was until the mortgage was funded in 2024. Wonder why people hate lenders, this is why. Gouging every possible fee they can, because they can.