Lowest Mortgage Rate in Canada. Starting from 2.49%

Montreal Mortgage Experts

Want to save money on your mortgage? Of course you do.

Our friendly, expert brokers help you find your best rate and flexible options to help you save now and later.

Montreal TNM City Page

In Montreal, we have your best mortgage rates.

An expert True North mortgage broker understands your mortgage needs in Montréal. We access several lenders and mortgage products on your behalf to find your best rate and savings, term after term — in English, French, or another preferred language.

The rates you qualify for can depend on your financial details and mortgage needs. We have the experience to quickly outline your details for clearer decisions, and pass along a volume discount to lower your rate, sometimes with your own bank.

And with us, your great rate and mortgage come with exceptional service that puts you first, not the lender.

Don't just get a mortgage with your bank — call us today to see the rate and savings difference True North Mortgage can make.

Get great advice that fits your needs.

We handle all types of mortgages, from first-time buyers to vacation or rental investment properties.

And whether you're renewing or looking for a refinance, we'll find your best options to save on interest costs or access home equity for investment, debt consolidation, education, or upgrades.

We're obsessed with your better rate and your best mortgage experience. Apply with us now, or give us a call! We're here to help.

Simple process, exceptional service.

Think mortgages are complicated? Our mortgage experts make your process so easy. We gather your details and offer helpful advice for the right fit for your situation — while taking the time to answer all your questions. You get a streamlined process from beginning to end (on time) while saving more now and over the life of your mortgage.

Joseph Gagnon

Trust True North for your mortgage savings.

Our amazing clients say it all.

Our non-commissioned, salaried brokers provide unbiased advice and unbeatable service — it's why we have over 16,000 happy-client, 5-star reviews (no one in the industry comes close). Every mortgage is different, and having a highly trained expert can be the difference between frustration over your bank not getting back to you and the joy of a great mortgage experience that saved you a lot more.

Innovative tools and tech, at your fingertips.

Our convenient online application form, and great calculators and tools, help streamline your process, while our digital client platform ensures quick and easy communication and updates. You get email reminders, phone follow-ups, and prompt support to ensure your deal is completed on time.

Our advice is free with no obligation.

We train top brokers from all over Canada to deal with the lenders and details for you. We save you money, time and stress — best of all, our mortgage service is free and unbiased. You can get pre-approved at your best rate or get helpful advice on programs or solutions available, but there's no obligation attached. We're confident you'll be thrilled with your rate and service, and we're to help you again in the future.

A few minutes with us can save you thousands!

Offered a better rate?

Montreal's Best Mortgage Rates

Want your lowest rate? Talk to us.

Our brokers have strong relationships with multiple lenders and exclusive access to our in-house lender, CMHC-approved THINK Financial. It allows us to offer a volume discount to lower your rate (for which you qualify) or just a better rate, period. On average, our rates are lower than big banks and other MFC (mortgage finance corporation) lenders and have been for years.

The right rate and term.

Having trouble deciding whether a variable or fixed mortgage rate is the right choice for your situation and budget — especially if interest rates are forecast to change? What mortgage term length should you take? We outline your options quickly and simply, tailoring your solution to your specific details to help you make clearer decisions.

Act fast, rates change quickly!

If you're buying a home, considering a mortgage change, or approaching your renewal, reach out to us, and we'll quickly pre-approve you to lock in your rate for up to 4 months (depending on your situation and the lender).

Get a renewal reminder here, so we can help you get your best rate and options to save more next term.


Montreal: Housing market

Montreal, a vibrant Canadian city steeped in history, is the 2nd most populous city in our nation, with over 1.8M area residents. Montreal’s housing market remains tight, with low inventory driving modest year-over-year price gains of 6–8%, despite cooling demand.

Your mortgage savings made easy.