Lowest Mortgage Rate in Canada. Starting from 2.99%

Better from the get go

Other digital brokers promise a simple online process, but struggle to deliver when things get real.

Don't take chances with your mortgage finances. Our over 17-years experience and over 15,000 5-star reviews make True North Mortgage the right choice for your best rate AND right mortgage fit. With us, you'll enjoy a truly stress-free mortgage experience to save thousands.

We've earned your trust with the most 5-Star reviews in the industry.

Better mortgages in Canada are all we do, and providing you with unbeatable service is our top priority. Let our (apparently very happy) clients do the talking — check out what people say about us.

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Making mortgages easy breezy for 18 years.

We've been happily giving our clients better rates, the easy way, for many (mortgage) years. Meanwhile, big banks charge higher rates and fees, and online-only start-ups come and go. We're still here, making light work of your mortgage.

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True North Mortgage Other Digital Brokers
Industry leader True North Mortgage has been a Mortgage Industry leader and disrupter for over 16 years. Often imitated, never duplicated. In catch up mode
5-star reviews We work and train hard for a unified service response, and it shows in our 13,000 reviews (and counting). We also have a perfect 5/5 on review platforms and at all store locations. Yeah, you should go read them. 😉 Sure, some 5/5's, but also a lot of 1/5's
Branch locations Yes. You deserve face-to-face help for the biggest purchase you'll likely ever make. Drop by and talk to your broker in person when 'online' just won't do. Nope. Nada. No can-do.
Great online tools Definitely, our tools and brokers work in tandem for simplicity at a great rate. Yes
In-house lender Our experienced in-house lender has funded billions in mortgages since 2016. True North was the first broker to have a CMHC-approved in-house lender. Some do, though newer on the scene.
Funny restrictions and hidden fees? Nope. We're completely transparent so that you can make the decision that best suits you. We also believe that flexible options save you more. Some ultra low rates can come with hidden restrictions or fees that may end up costing you more, later.

Online, in-store & over the phone

We're so here for you. Get the right advice for the largest financial decision of your life.

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Unbiased, expert advice. Completely free.

Mortgages can be stressful. Our crazy-good experts make it easy. Whether you apply online or stop by, you get a real person who cares about getting your best mortgage.

They're unified, highly trained and salaried for unbiased advice. And there's no cost or obligation while they deal with the lenders and details for you. It's a relationship for a lifetime of mortgage help — anywhere you are in Canada.

Have a ton of questions? They're ready for that (it goes hand-in-hand with saving you a pile of cash).

Simon Phui - Homepage

Filled the application on the website, within 10 minutes was speaking with Rohit Sachdeva. He made the experience a very positive one, answered all my questions promptly by email or phone. I definitely recommend True North Mortgage.

– Jason L., January 2022

The process of switching my mortgage was made easy by TNM. Excellent communication and explanation. Received a much better rate, and will save thousands in the long haul.

– Dino S. from BC, October 2021

Cezary Lopatowski stepped up to the plate to get the deal done with tight deadlines during the holidays. The rate was absolutely amazing. One of the best customer experiences in any industry. Highly recommend.

– Devake H. from ON, February 2022

Superb customer service and a super rate! I would highly recommend Sharon Li. Thank you for all the work you did to make this an easy and non-stressful experience. Her genuine warmth and care came through in the emails :).

– Karen B., February 2022
10,818,199,407

We’ve helped Canadians arrange over $20B in mortgages.

True North Mortgage does more volume than any other broker — giving us access to the best possible rates from lenders. Plus, to get your rate even lower, we regularly sacrifice a portion of the commission paid by the lender to pass it on to you.

Easily get a better rate than your bank, from your bank