Ontario Product Guide

With our Classic Program of alternative mortgage solutions we have all the options for your traditional B clients. Its where we started and a niche we understand.
Our dedicated underwriters have the experience to find the solution to even your most complex deals. Every deal is reviewed as a unique story, and well work from every angle to make it fit.

Your one-stop mortgage lender

This material is intended for broker use only, and is not meant for consumer distribution. Registered trademark of Home Trust Company

www.hometrust.ca/broker
Updated: 12/07/2011

Classic Ace
Purchases up to 80% & Refinances up to 80% LTV
Term 3 year 5 year Rate Posted plus 25 bps Posted Fee No Fee No Fee Finders Fee 75 bps 100 bps

Details
No Lender Fee Equity take outs: (Greater than $50,000) add 50 bps (No premium when paying out existing mortgage) Mortgages greater than $750,000: add a minimum 25 bps Owner occupied rentals: add a minimum 25 bps

Requirements
Self-employed business must be registered and active for a minimum of 2 years 2 years clean active trade lines, with no derogatory items Client must confirm no tax arrears via Home Trust Stated Income Declaration letter. Available for owner occupied properties and owner occupied rental properties (up to triplex) Not applicable for: Commercial properties and rental properties Home Trust policies and guidelines apply

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640+ Beacon

Classic B+
Purchases up to 80% & Refinances up to 80% LTV
Beacon 595+ Beacon 580+ Beacon < 580 Beacon Purchases Refinances 80% LTV 80% LTV 75% LTV 65% LTV Contact your underwriter

Details
1 to 5 year terms Stated Income Marketable Real Estate Discharged Bankrupts Welcome Home Trust policies and guidelines apply

580+ Beacon ON 3

Equityline Visa
Up to 65% Up to 70%

4.99%
640+ Beacon

5.99%
600+ Beacon

BEACON LTV Up to 75%

Up to 80% 680 + 5.99 % 6.99 % 640 + 6.99 % 7.99 % 620 + 7.99 % 8.99 % 575 + <575 8.99 % Ask your 9.99 % Underwriter

Stated Income Features & Benefits

Fully open line of credit Access with a Gold Visa credit card and convenience cheques NO ANNUAL FEE! Low minimum monthly payment of: 0.75% of the balance for 4.99%, 5.99% 1% of the balance for 6.99%, 7.99%, 8.99%, 9.99% Ideal for BFS, debt consolidation, buying an investment property, renovations, home improvements, etc. Reported to the bureau monthly to re-establish credit Can be in 1st or 2nd position Insures most items purchased with your Home Trust Visa Card against theft or damages for 90 days from the date of purchase.

Details
Fees charged to the card: 2% set-up fee Closing Fees that can be charged to the card: First Canadian Title (FCT) Basic Fee: $544.80 Land Title Search Fee: $35.00 Up Front Fee: Appraisal Fee

Requirements
1st mortgage must be institutional and up to date All title holders on property must complete an application All properties over $750,000 will be reviewed on a case by
case basis

Home Trust policies and guidelines apply

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The One Charge

Classic Mortgage + Equityline Visa

Equityline Visa is the perfect compliment to every Classic Mortgage!
Details
No Fee for the Equityline Visa! Finders Fee from $100 to $250 for the Equityline Visa in addition to the compensation for the Classic Mortgage. No additional appraisal Fee No additional Legal Fee Completed with one transaction. Both the first mortgage and Equityline Visa are registered as one charge when an Equityline Visa is behind a newly originated Home Trust first mortgage. 1st mortgage and Equityline Visa portions both subject to Home Trust policies and guidelines. All One Charges have a combined LTV maximum of 80%

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Secured Visa
The Home Trust Secured Visa Card is a credit card designed to help Canadians establish or re-establish their credit. The applicant is required to submit a deposit with the application. A key part of the success of Secured Visa Card is the Home Trust Secured Visa Referral Program. For every approved application, referrers are paid $35. Referral fees are paid monthly. 1. Visit the referral website at www.hometrust.ca/securedreferral.aspx to download the Referral Membership form. Fax the completed form to (416) 360-3909 or 1 (877) 989.9979.
2. Home Trust will provide a referral code and instructions on how to add this code to

application forms.
3. The broker distributes the application forms. Applicants submit the application directly to

Home Trust with a security deposit. Ensure that your referral code is written or stamped clearly in the box provided on the application form in order to be credited for a referral.
4. On a monthly basis, Home Trust counts the number of approved accounts generated by

each referrer and pays out $35 for each new approved Secured Visa Card account. Credit Limit Account set-up fee Security Deposit Service Fee (primary card) Service Fee (secondary card) Interest rate (purchases and cash advances) Over limit fee NSF fee ATM fee (Canada) $500-$10,000 $0 $500-$10,000 $5/month or $49/year $2/month or $19/year 19.99% $29 $45 1% of amount (Min. $2.50, Max $10) Minimum payment Greater of 3% of balance or $10 This information is subject to change at any time. Suhail Mulla suhail.mulla@hometrust.ca Phone: (416) 777-5841 Toll free phone: 1 (877) 903-2133 x 5841 Fax: (416) 360-8909 Toll free fax: 1 (877) 989-9979

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Store & Apartment Commercial & Industrial Condos

Store & Apartment
Purchases up to 75% LTV 620+ Beacon Term 1 year 2 year 3 year Refinances up to 70% LTV 620+ Beacon Term 1 year 2 year 3 year Details
Marketable Real Estate in Ontario (Urban and Suburban locations only) Minimum Fee 1 % (split)

Rate 5.49% 5.99% 6.49%

Rate 5.49% 5.99% 6.49%

Commercial & Industrial Condos

Purchases up to 75% LTV
(no secondary financing)

Refinances up to 65% LTV 600+ Beacon Details

1 year minimum 5.99% Minimum Fee 1 % (split) Refinances over 65% LTV will be considered case by case, with a Blanket Mortgage on the borrowers principal residence.

600+ Beacon ON 7

Home Trust Guidelines

1. In order for a deal to be processed, a signed commitment must be faxed back to Home Trust (with the commitment fee in the case of refinances). 2. All borrowers are interviewed by telephone after the commitment has been signed. 3. Our rate hold period is 90 days. 4. Our rate drop policy is as follows: The broker/borrower will be allowed to request a rate reduction, once, up to 7 days prior to closing, provided rates have decreased. This request must be made in writing. Once the request is received, an amended commitment must be sent to the broker and the acting solicitor. 5. The minimum down payment for a purchase is 15%. Gifted down payment will be considered. 6. Home Trust will not lend on properties containing UFFI or where UFFI has been removed. 7. Home Trust uses a specific list of approved appraisers which can be found online at www.hometrust.ca/broker. The property must be marketable and acceptable to Home Trust. 8. All properties will be inspected by a Home Trust site inspector, separate and apart from the appraisal. There is no cost to the borrower. 9. The following will be reviewed on a case by case basis: a. Properties over $750,000 b. Non MLS purchases c. Properties in areas with populations of less than 25,000 d. Properties on acreages 10. Home Trust reserves the right to use their own lawyer for refinances, private purchases and mortgages over $300,000. These solicitors are reasonably priced and will be assigned accordingly. The borrower may use the same solicitor. 11. Home Trust requires Independent Legal Advice in certain cases. 12. Home Trust will allow a 20% pre-payment privilege once a year on the anniversary date of the mortgage without penalty. 13. 30 and 35 year amortization available upon request.

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