Who we are
Fairstone Bank and its family of brands form Canada’s leading alternative lending bank, united in delivering innovative, accessible and reliable financial solutions that enable Canadians to reach their goals.
With a diverse suite of products — residential and commercial mortgages, consumer deposits and GICs, credit cards and rewards programs, retail financing and automobile financing, personal loans and digital lending — we offer financial solutions tailored to all Canadians.
Fairstone Bank Brand Family
Our services
FAIRSTONE BANK – CREDIT CARD SERVICES
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.
Learn more about how we can help grow your business
FIG – DIGITAL LENDING
Innovative digital lending dedicated to simplifying the borrowing process for people across Canada.
HOME TRUST – RESIDENTIAL MORTGAGES
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.
Learn more about Home Trust Mortgages
HOME TRUST – COMMERCIAL MORTGAGES
Our small and large commercial products provide solutions for purchasing and refinancing commercial properties for both owner-occupied properties and real estate investors.
HOME TRUST – VISA CREDIT CARDS
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.
FAIRSTONE – PERSONAL LOANS
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.
Learn more about Fairstone Lending
FAIRSTONE – RETAIL FINANCING
Financing programs tailored to help Canadian businesses grow while giving customers convenience and flexibility to pay for purchases.
Learn more about Fairstone Retail Financing
EDENPARK – AUTOMOBILE FINANCING
Vehicle financing provided to Canadians through dealerships coast to coast with fast and flexible automobile financing options.
OAKEN FINANCIAL – CONSUMER DEPOSITS
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.
GUARANTEED INVESTMENT CERTIFICATES (GICs)
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
Roots in Canadian Lending
Collectively, Fairstone Bank and its subsidiaries have been providing financial services that enable Canadian consumers and businesses to achieve their goals for nearly 100 years.
