At Community Trust, we challenge the status quo by rejecting the traditional – and often unsatisfactory – ways for Canadians to achieve their financial needs. That’s why so many brokers are turning to us for their clients first, and bypassing the big financial institutions.

Put simply, we make it easy for you and your clients to get deals done – on time, and with the benefit of our competitive rates. Your client is never made to feel that they are unimportant, because they never are to us. Our partners have come to realize that the word "alternative" is more than a description of our business, it’s also a cornerstone of our philosophy. It’s also what Canadian homebuyers need more than ever.

We are not your typical financial institution. Instead of finding reasons to say “No”, we are always looking for alternative approaches to assist Canadians in achieving their home ownership goals through flexible and innovative solutions. While our goal remains to help your clients secure the financing they need to fulfill their dream, our belief is there should be many ways of making it happen.

That requires creating broader parameters, and ones that can be more customizable to the situation, rather than the traditional methods of the big banks. For example, you will see this in our approach to reviewing non-traditional income, the way we recognize the higher FICO score of joint applicants, how we support current market values on new construction properties bought more than a year ago, our expansive lending areas across several provinces, and many more things besides.

We have become technology leaders in our industry by creating new platforms, tools and services that make it so much easier for you to help your clients.

Community Trust Café is our online broker hub that gives you everything you need to succeed, all served up in one place. Available for both desktop and mobile, it provides you with direct access to more information about your deals in a simpler format, shows a clear history of all activity, and makes communication between you and our team seamless. It also comes with our Conditions Manager tool that’s designed for greater convenience, visibility and efficiency throughout the application process, and gives us the ability to respond faster so your deals can be completed even sooner.

InstaShare allows your clients to instantly share their bank statements with us for all the required verifications in seconds, saving you the time and trouble of having to collect and upload all of these documents.

InstaValue is our automated valuation service that's available for most properties. It eliminates the home appraiser from home appraisals, comes with no upfront cost, and helps to speed up the overall approval process — three great reasons why your clients will love it!

And there’s much more innovation to come, as we continue changing the ways you can work with us for the better.

Our 360-Service approach has redefined the way we help you by providing an elite level of total service for every partner. You can enjoy direct access to our dedicated team of experienced mortgage advisors – on standby from 8:00 a.m. to 8:00 p.m. ET, every business day – to get the expertise, answers and decisions you need faster than ever before.

Along with benefiting from shorter turnaround times, it gives you a single point of contact for information and updates about your current applications. It puts you in touch with the right people to review a new deal and make sure it fits within our policies, or find solutions for meeting conditions that work better for your client, or discuss a declined deal to determine alternative options. It's also where you can get information related to existing mortgages, renewals, refinances, taxes, insurance, payouts and discharges, and more.

What does caring mean to us?

Above all else, we understand that caring is not about simply using the word. It’s about backing it with actions, each and every day. It’s about finding solutions when others can’t – or won’t. It’s about changing our business for the better, to help you with helping your clients succeed. This is the underlying motivation that drives everything we do, and is why we are so passionate about building relationships based on trust, collaboration, integrity and responsiveness.

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Have questions? Talk to your dedicated Business Development Manager.

For general inquiries and information, contact a Business Development Associate at partners@communitytrust.com or call 1 (888) 649‑1169.