AB
6 mo Fixed
2.49%
1 yr Fixed
4.29%
2 yr Fixed
3.94%
3 yr Fixed
3.94%
4 yr Fixed
4.14%
5 yr Fixed
4.14%
5 yr Variable
3.49%
5 yr Open
4.20%
  • English
  • French
  • Search
  • About Us
  • Blog
1-877-778-4772
True North Mortgage
  • Rates Lowest Rate in Canada. Guaranteed.
  • Mortgages We have the perfect one for you.
    • Pre-Qualify in Minutes Know what you can afford
    • First-Time Home Buyers Expert help for your smooth process
    • Buying Your Next Home Buying and Selling, and Second Homes
    • Renewals and Switches We can help you save more
    • Refinancing Your Home Get a lower rate, consolidate debt
    • All Mortgages WHAT DO YOU NEED? SEE FULL LIST HERE
      • Complex Mortgage Solutions
      • Investment Properties
      • Vacation and Secondary Homes
      • Purchase Plus Improvements
      • Cash Back Mortgages
      • Mortgages for Self-Employed
      • Newcomers to Canada
      • Home Equity Line of Credit (HELOC)
      • Pre-Payment Penalties and Privileges
      • Reverse Mortgage
  • Tools Calculators & tools to help you along.
    • Mortgage Calculators Understand the costs
      • Mortgage Payment Calculator
      • Renewal Payment Calculator
      • Compare and Save Calculator
      • Affordability Calculator
      • Closing Costs Calculator
      • Land Transfer Tax Calculator
    • Digital Tools Tools to help improve the process
      • Mortgage Checklist
      • Provincial Taxes and Benefits
      • Mortgage Renewal Reminder
      • Realtor's Financing Sheet
    • Education Centre Get up to speed on your options
      • First-Time Home Buyer's Guide
      • Variable vs Fixed Mortgage Rates
      • What is an Insured Mortgage?
      • Mortgage Stress Test
      • Payment Frequency, Explained
      • Down Payments
      • Credit 101
      • Your Income
      • What is portability?
      • Glossary
      • Mortgage FAQ's
  • Contact Real people. Here to help.
    • Get a call back set a time that works for you
    • Find an Agent Company Directory
    • Our Stores Sit down with a mortgage broker
    • Write to Us Send us a message
    • Mobile Brokers Flexible hours. We come to you.
    • Call us: 1-877-778-4772 Complete the process anywhere
  • English
    • English
    • French
    • British Columbia
    • Alberta
    • Saskatchewan
    • Manitoba
    • Ontario
    • Quebec
    • Atlantic Canada
    • Other
Apply
Apply Online

Blog

Want to buy your Airbnb?

Want to buy your Airbnb?

Love the idea of buying your own investment getaway? Here's what you need to know.

Learn More
Can you recast your mortgage?

Can you recast your mortgage?

Cast ahead after pre-paying your principal — and reel in lower payments for a budget break.

Learn More
Have variable rates peaked?

Have variable rates peaked?

After an arduous rate rise — are there savings to snag on the climb down?

Learn More
Mortgage Down Payments

Mortgage Down Payments

Want to buy a home? You'll need at least 5% down. But wait, there's more.

Learn More
7 Things About Buying Your First Home

7 Things About Buying Your First Home

Great tips for home-buying newbies — and the best guide (ever) for download.

Learn More
How are home prices doing?

How are home prices doing?

To shop or not to shop? Here's some perspective to help you decide.

Learn More
Credit 101

Credit 101

Take a closer look at how your credit works for getting your mortgage approval.

Learn More
Fun things to do with moving boxes!

Fun things to do with moving boxes!

When is a box more than a box? Time to get creative.

Learn More
Got the rate jitters?

Got the rate jitters?

The BoC rate increased its rate today by 0.25%. Now what? Get some numbers and advice here.

Learn More
Should you stretch your mortgage at renewal?

Should you stretch your mortgage at renewal?

Extending your amortization may offer a budget lifeline — here's how it works.

Learn More
HBTC: Home Buyers' Tax Credit

HBTC: Home Buyers' Tax Credit

This federal tax credit program can help with your first-timer costs.

Learn More
Is your mortgage a ticking time bomb?

Is your mortgage a ticking time bomb?

Hear something ticking? Take a moment (with us) to assess your mortgage needs.

Learn More
Previous Page
Next Page

Sign Up For Our Newsletter

Stay current with the latest topics and mortgage news. We're about quality over quantity (we don't like spam, either), and you can unsubscribe at any time.

Our Rate Guarantee

True North Mortgage guarantees you the lowest rate for the purchase of your Primary residence in Canada. You won't find a better rate anywhere! Shop and Compare. If you find a better rate, we'll beat it or give you $500.

Social Media
Contact
  • True North Mortgage
  • 3600 - Bow Valley Sq II.
  • 205 - 5th Ave S.W.
  • Calgary, AB T2P 2V7
Phone
  • Toll Free: 1-877-778-4772
Links
  • Careers
  • Press Centre
  • Privacy Policy
  • Provincial Licensing
  • Complaint Policy
Select Location:
© 2026 True North Mortgage Inc. FSRA#12700