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Managing Your Mortgage

Having a mortgage with Community Trust means more than owning a home. It means having access to valuable equity that you can leverage to meet your evolving needs. Below, we’ve outlined a few of the ways that you may use to manage your mortgage.

Renewing your Community Trust mortgage is a simple process.

Questions to ask before you renew:

  • Are you planning to move in the next year?
  • Will you require additional funds for a planned renovation?
  • Would you like to pay off your mortgage faster with accelerated/lump sum payments?
  • Would you like to choose a shorter term to help manage interest rate fluctuations?

Explore your options today

Community Trust makes refinancing your mortgage easier. Whether you’re looking to lower your monthly payment, or access the equity in your home, our mortgage specialists are here to explain the pros and cons and help you make the decision that is best for you.

Explore your options today

If you’re looking for access to additional funds, you may be able to leverage the equity in your home to access the money you need. Contact a specialist to determine if a Home Equity Line of Credit (HELOC) is right for you.

Explore your options today

Payout statements for discharges or transfers will only be issued after a request has been made through FCT’s Payout Services. Please note, there are no new or additional fees associated with these requests. Community Trust does not accept payout proceeds via uncertified checks. Our preferred method of payment is via a wire deposit. Alternatively, we accept payout proceeds via a bank draft or certified check, however funds must be directly deposited to our account and the payment confirmation must be sent to us with our loan reference number reflected. If a payment confirmation is not provided to us, the payout proceeds will not be credited to the appropriate loan. Payment confirmation must be uploaded within the FCT portal (preferred) or emailed to

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