Who we are

Credit card issuance and tailored programs designed for customers while building brand equity, driving loyalty and delivering valuable insights for partners. Current partners include Walmart, First National and Mastercard.

• Credit financing solutions: Competitive and comprehensive consumer financing plans providing more options for customers while building brand equity, boosting card usage, boosting sales and increasing sales for partners.

• Related protection services: Reliable and affordable plans that help customers protect what matters most.

Guaranteed Investment Certificates (GICs) offer a secure investment option that enables clients to achieve their short- and long-term investment goals, with terms from one to five years. Fairstone Bank of Canada offers GICs under the trade name or brand name Fairstone Bank and can be purchased through brokers and investment advisors at most financial institutions. Home Trust Company, a subsidiary of Fairstone Bank of Canada, and its subsidiary Home Bank, also offer GICs via brokers and through a direct-to-consumer brand Oaken Financial.

Fairstone Bank, Home Trust Company and Home Bank are separate member institutions of the Canada Deposit Insurance Corporation (CDIC) and all GICs are eligible for CDIC insurance up to $100,000 per depositor. Learn more about CDIC www.cdic.ca

Unsecured loans and home equity loans as well as first mortgage refinancing and second mortgages, delivered online or in person in branches coast to coast.

Financing programs tailored to help Canadian businesses grow while giving customers convenience and flexibility to pay for purchases.

Our alternative “Classic” mortgage product is tailored to borrowers who do not fit typical lending criteria, including homebuyers looking for their first mortgage and homeowners needing refinancing or renewal options.

Our commercial financing businesses provide a broad range of solutions to help businesses grow, invest and achieve their goals, with specialized expertise across commercial real estate, equipment and inventory financing.

Our three Visa credit cards offer consumers a host of valuable benefits and features:

• Home Trust Preferred Visa allows cardholders to earn rewards at home or away.
• Home Trust Equityline Visa is a HELOC-like product that gives cardholders access to the equity in their home.
• Home Trust Secured Visa helps cardholders build or rebuild credit.

Oaken Financial is a direct-to-consumer brand offering high-interest saving accounts and GICs, providing Canadians with a competitive alternative to manage their savings independently.

Vehicle financing provided to Canadians through dealerships coast to coast with fast and flexible automobile financing options.