Equity Line Visa™ Card

Flexibility

Use the equity in your home to secure a credit limit of $10,000 to $250,000¹.
Use only what you need, when you need it, up to your available credit limit.
Use it for consolidating higher-interest debt, making home improvements, helping with business start-up or operating costs, or even for managing unexpected or everyday purchases - it's entirely up to you.
Monthly payments as low as 1%, 1.25% or 1.5% of your outstanding balance or $10, whichever is greater².
Make additional payments at any time without penalty.

Saves You Money

Competitive interest rates of 7.99%, 8.99%, 9.99%, 11.99% or 13.99%². The annual credit rate in Québec is 11.99% or 13.99%².
You only pay the interest on the credit you have used.
Replace high interest bills with one lower monthly payment.
No annual fees in all provinces except Québec.
In all provinces except Québec, a one-time account set-up fee of up to 3% of the approved credit limit will be charged to your Visa account.
In all provinces except Québec, a legal fee of approximately $350 to $780 (varies by province) and a title search fee of $35 will be charged to your Visa account³.
In Québec, a $100 annual membership fee and a $700 collateral security fee will apply.

Convenience

Apply only once - and it is set up to use when you need it.
Access your credit by writing a convenience cheque, using any ATM with a Visa logo, or using your Visa card.
Accepted in approximately 600,000 locations across Canada, in more than 150 countries with access to more than 950,000 Automated Teller Machines worldwide.

Gold Visa Benefits

Auto Rental Collision/Loss Damage Insurance:⁴ Save money by being able to waive the coverage offered by the car rental company!
Emergency card and cash replacement: If you need an emergency cash advance or replacement card, just call Visa at 1-800-847-2113, 24 hours a day 7 days a week from anywhere in the world.
Guaranteed hotel reservations: When you charge hotel reservations to your Home Trust Equityline Visa card, be sure to request a "guaranteed reservation." That way, your room will be held, even if you arrive later than expected.
Health and Legal Assistance Services:⁵ Whether traveling or at home, you have a source to turn to when you need medical or legal information on a wide range of topics. Call 1-866-358-4140 for access 24 hours a day, 365 days a year to Assistance Coordinators who can refer you to health and legal experts.

¹ Subject to credit approval. Available credit will vary based on applicant’s property location, income, credit history and home equity available.

²Interest rate and repayment terms will vary based on applicant’s credit rating and property value in relation to the approved credit limit. The grace period for payment of a purchase balance is at least 21 days, if each month Home Trust receives payment in full of the outstanding balance by the due date shown on the monthly statement. A statement, which covers approximately 30 days, will be sent at the end of each billing period. Illustrations of credit charges for a period of one month (Québec):

Average Daily Balance	Credit Charge (Rate of 11.99%)	Credit Charge (Rate of 13.99%)
$250	$2.46	$2.87
$500	$4.93	$5.75
$1000	$9.85	$11.50

³Borrower is responsible for any appraisal fees (approximately $250).

⁴The Visa Collision/Loss Damage Insurance program is underwritten by Royal and Sun Alliance Insurance Company of Canada and is provided by a group policy issued to Visa Canada Association. Complete terms and conditions, including exclusions and limitations, are outlined in the Certificate of Insurance provided with your card.

⁵Health and Legal Referral Assistance services provided by Sigma Assistel Inc. Additional coverage information is outlined in the Cardholder Agreement provided with your card.

Rates and fees subject to change without notice.

Offer available in Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, PEI and Québec.