Refinancing your Home
Refinancing Options
Pay less now AND later. Refinance your mortgage and consolidate all your debts at one low interest rate. It’s less stress, fewer payments and could save you thousands. We can help, right now.
More InfoCash Back Mortgages
When buying a home, there can be a lot of extras you didn’t plan on, like furniture, appliances, even lawyer fees. To free up additional funds, ask us if a Cash Back Mortgage is the right solution for you.
More InfoOur Rate Guarantee
We have the best rates. We’re in touch with multiple lenders, not just one. Online, in person or by telephone, we can secure you the lowest rate for up to four months (depending on the lender). We make it easy.
More InfoCMHC and Genworth
If your down payment is less than 20% of the purchase price, you’re required to insure your mortgage. We can help you through the High-Ratio process, outlining fees and offering expert advice.
More InfoUnderstanding Credit
Your credit is a big piece of the puzzle—it affects your rate and product choices. We can pinpoint your situation quickly. In the meantime, here’s how your credit file, rating / score works.
More InfoMortgage Protection Insurance
Your home; it’s likely your biggest asset. Know the best way to protect your mortgage. We don’t sell insurance, but every mortgage offers it — here are some things you need to know, before you waive or apply.
More InfoPre-Payment Penalties and Privileges
Want to close out early or pay extra down on your mortgage? Banks have rules that may help or hinder this process. We'll expose the fine print of your mortgage options and help you choose the right product based on your short / long term property ownership goals.
More InfoFree Home Appraisal
At True North Mortgage, we pay the cost of your Home Appraisal. So let’s recap: No fees, no obligation, no hassle or pressure—and free appraisals. Call us today for your best mortgage experience.
More InfoExtended Amortizations
Need more time? We can find you a mortgage with up to 35 years amortization. Combined with our lowest rate, a longer payout could mean the difference between affordable and out-of-reach.
More InfoVacation and Second Homes
As your family grows, so do your needs. We can take weeks off the process, finding you the right mortgage solution and best interest rate for your next property adventure.
More InfoWhy Income Matters
Annual income is the main factor in determining the mortgage amount for which you qualify. Sound simple? There’s much more to it — here’s information on how a bank sees your mortgage potential.
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