Introducing Compass Mortgage™ – For More Flexible Approvals

THINK Financial

It's our in-house mortgage lender. And it gives our clients an advantage.

Better rates and mortgages than your bank? We always say it, because we can actually do it. We cut through the 'bank' tape to offer more direct savings for our Canadian clients.

We're a brokerage, and a prime and alternative lender. It simply helps our clients save more.

"What you think, you become." – Buddha

We think about offering lower mortgage rates all the time (in fact, we're obsessed). And so, in 2016, with THINK Financial, we became the first mortgage brokerage in Canada to be approved by CMHC as a lender.

This important milestone opened the door for our clients to directly access better interest rates and more flexible mortgages than they could get at their bank.

Having our own lending arm removes the 'middle person' to help get rates even lower while increasing better mortgage options, all without leaving the True North Mortgage family.

It's an advantage that adds up – in simplicity for your mortgage process and in savings for your mortgage goals.

THINK about it. Our clients save even more than money:

Trusted relationships. That's our formula for success at THINK Financial. We've built our reputation on strong, long-lasting collaborations within the industry and with our clients. That kind of integrity matters – our clients always know that we're here for them.

Even better rates. Our top priority is to get rates as low as they can go, without any funny business like hidden fees or restrictions. Combine that with our broker-volume discount and salaried, non-commissioned staff — and it's a 'win' for client savings.

Industry-best mortgages. We continue to break new ground with innovative products that respond to client needs, such as our standard premium products, The Works prime mortgages, and now our latest alternative product, Compass Mortgage™, designed for more flexible income ratios.

A simpler process that we like to call 'one-stop' mortgage shopping. Fully integrated with True North Mortgage's expert brokerage services, THINK Financial allows our brokers to complete a quick, seamless mortgage process. In fact, clients who are up against tight deadlines get the deal done faster (and better) through the arm's-reach convenience and tech solutions of THINK Financial.

Options that fit you, not us. THINK Financial adds excellent options for our clients. But our friendly, highly-trained brokers still have access to several other lenders to find the one that best suits their clients' unique needs and mortgage goals.

"Already, 2 in 3 prime customers at True North Mortgage choose the firm's in-house lender THINK Financial. That share is bound to climb now that Compass will serve much of the remainder."

– Robert McLister, Mortgage Industry Analyst and Founder of MortgageLogic.news, March 31, 2026

We're a direct line to save thousands, and a wise way to mortgage.

And we're not even close to being done. We continue to be obsessed with lower rates and finding even better, more modern mortgage solutions.

Stay tuned for the latest on how True North Mortgage helps Canadian clients save more.

THINK Financial News and Updates

Compass Mortgage - March 2026

THINK Financial launches an innovative alternative product, Compass Mortgage™ — a flexible, cost-effective mortgage solution that can encompass broader income sources and documentation, as well as more complex client situations, such as high-net-worth individuals and those with multiple properties. Industry-best features include up to 40-year amortizations, 20% pre-payment privileges, and a unique penalty structure that helps clients save more.

No Commitment Mortgage - Jan 17, 2022

THINK Financial launches its exclusive No Commitment™ Mortgage, an industry first. Here for a limited time, it's a fully-open, low variable-rate product, with no restrictions or penalties.

Rate Relief 6-Month Mortgage – Nov 21, 2022

Offering the lowest rate around (starting from 3.99%), THINK Financial launches Rate Relief™, its exclusive 6-month fixed product for temporary relief from interest rate pain. For new purchases and switches, this limited-time, short-term mortgage helps provide lower payments and a budget break. Conditions and restrictions apply.