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Mortgage Rates & Fees

Borrowing Rates

Residential lending rates are determined on a case-by-case basis, which allows us to offer you competitive options for your specific needs. Working with a mortgage broker will ensure you have all the information you need to make an informed decision on the option that is right for you.

Effective September 9, 2020
Prime Lending Rate
Community Trust Prime Lending Rate
Posted Mortgage Rates
Term  6 Months  1 Year 2 Years 3 Years 4 Years 5 Years
Rate  7.25%  3.09%  3.24%  3.75%  4.29%  4.79% 


All Rates are subject to borrowers meeting Community Trust’s lending criteria (this may include your credit score, income and property location) and are subject to change without notice.

Tools & Resources

Penalty Calculator
Forms and Applications
Contact Us

If you’ve submitted a form or application but haven’t received a confirmation within 24 hours, it may be a good idea to contact us for an update.

If you need to make a correction to a form or application, contact us and we’ll be happy to make the correction for you or guide you through it.

We hope this doesn’t come up, but in case it does we’ve done our best to make things simple for you. Click here for a full guide to making a complaint, and we’ll do everything we can to resolve it.

The Everyday Investor (November 30, 2016)

Ed Wells, Business Development Manager with Community Trust, recently appeared on The Everyday Investor, a Rogers TV program sponsored and co-hosted by our partners at Pro Funds. The segment aired on Rogers TV from December 2nd to December 9th, 2016, and focuses on how individuals can use their Registered Funds to invest in mortgages.