We really do help you save.
The stats are in. Third-party data shows unequivocally that our fixed rates have been 0.18% lower and variable rates 0.14% lower on average than the competition. Take a look.
Here's the proof of the (mortgage-savings) pudding. One of Canada's three mortgage insurers shared its rates data on completed mortgages — which shows how True North Mortgage stacks up against the competition.
And we come out looking pretty good. Our 5-year fixed rates have been an average of 0.18% below the competition over the years, which nets clients an average savings of $4,300 for a 5-year term (based on a $500K mortgage and 25-year amortization).
Pair that kind of rate savings with our better mortgages for flexible pre-payment options and fewer fees — and the extra cash gained over the life of your mortgage just keeps adding up.
Over the months and years, True North's variable rates have been, on average, 0.14% lower than the competition's, according to 3rd-party insurer data.
That gives our homeowner clients an average 5-year savings of $3,300 — and keep in mind that this savings is probably on top of the savings that usually come with a variable rate, which is usually lower than a 5-year fixed rate due to the risk of change.
Note: A variable mortgage rate is typically offered to clients as a discount off the bank prime rate. This discount doesn't change during your term.
Our lower rates can work in your favour by keeping more money in your pocket.
For example, right now, on a $500K mortgage, our best 5-year fixed rate is 0.20% better than most competitors (including other mortgage finance corporations), which saves you over $4,700 during your term!
Compare both fixed and variable rates right here using our helpful calculator.
Various tools and functions of this website perform calculations and provide cost estimates. These tools are designed for illustrative purposes only and make many assumptions that may not reflect all situations. Please use these tools in collaboration with a True North Mortgage agent. True North Mortgage does not guarantee the accuracy, reliability or completeness of these tools or calculations.
Our amazing clients have given us over 17,000 5-star reviews — the most (by far) in the industry.
Our friendly, mortgage-brainiac brokers go the extra mile to get the deal done, to find a solution that you didn't think possible, to eek out savings you didn't think were available.
We get back to you quickly, and even complicated details are handled efficiently with continual updates and responses that make you feel like you're our only client. 😃
We've spent years working out this whole 'True North mortgage savings advantage' so you can walk right into your best home financing choice, whether you choose our in-house lender or a big bank or another lender.
THINK Financial is our exclusive CMHC-approved, in-house lending arm, which allows us to offer you some of the best rates and mortgage products in the industry — and you can only access THINK through a True North Mortgage broker.
Our clients love how much we can save them on their rate AND the flexible mortgage options that come with it.
But THINK may not be the right fit for your unique mortgage details. Our volume business gives us access to several accredited traditional, alternative, and private lenders, and we find the solution that works for you, while passing along our rate discount.
Here's a breakdown of our clients' mortgage choices in 2025, including our in-house lender, Big Banks, Credit Unions, other MFCs, and alternative and private lenders.
As one of the top mortgage brokerages in Canada, True North Mortgage offers you a choice that you don't get by going directly to your bank — and it typically means you get a better rate and mortgage than you thought possible.
A healthy majority of our clients, over 66% in 2025, choose a THINK traditional or alternative mortgage simply because it was their best option for savings and flexibility.
Our highly trained brokers are salaried and non-commissioned for free, unbiased advice to help you make clearer decisions. We keep your process simple while offering personalized strategies based on your unique details and mortgage needs.
All online or all in-person — get a fast pre-approval no matter where you are in Canada. We're real people who care because we know how important your better rate and mortgage are for your long-term financial goals.
Real stores to walk into. Or get the same experience, but all online or over the phone if that's what you prefer. You'll score great advice for the largest financial decision of your life.
At True North Mortgage, we unite your best-possible rate (for which you need to qualify) with the right product that best fits your situation and future goals.
A lower rate won't help you save if you have restrictions that cost you more when you least expect it — for example, if you need to move and your pre-payment penalties are higher than you thought.
We really know mortgages and can quickly find your best solution to help make room in your budget now and hit your mortgage goals over the long term.
Point your mortgage in the right direction — with a more flexible alternative.
Continually updated. Where rates may go now and later — and what’s driving them.
How to decide between variable-rate FOMO or JOMO? We can help.
Get the best start and save a pile of cash with our mortgage experts.
Is your spidey-sense tingling? Watch out! That bargain-bin rate may cost you more later.
Is the rate you see the rate you (can) get? Not always, but here's why.
