Our 3.99% 6-Mo Fixed is the lowest mortgage rate available in Canada.

Why Do Other Brokers Hate Us?

Because of our lower rates? Our united-ness? Our extreme mortgage know-how?

We think we're pretty lovable. But the reasons other brokers aren't keen on us are why clients really dig us.

We stand out above the rest (rates-wise and everything else).

It has come to our attention that other mortgage brokers aren't all that happy since True North Mortgage has come on the scene (so, for over 17 years now).

But it’s not because we don’t play nice (we're actually very friendly and love what we do). It’s because our rates are really low. Uncomfortably low. Not to mention the great service that comes with our really low rates.

In fact, we make waves in the mortgage industry and challenge the way things have been done in the past — while helping a lot of Canadian home buyers along the way. Start-ups aim for us, rate bots try to outdo us, but in the end, it's our combination of low rates plus great mortgage advice that wins the day for our clients.

Here's what makes us stand out in the mortgage industry:

Our low rates. Our mortgage brokers can help you handle the higher, sustained real estate prices by providing the lowest current mortgage rates in Canada – even lower than your own bank. Our volume-based rate discount means you can save thousands on your home, income property or vacation investment. We do the heavy lifting for you by searching through multiple vendors to get you the lowest rate with the best terms. You still need to qualify for your rate, but shouldn't it be the lowest one you can get?

No fees. How do we do it? Our brokers are unified and salaried, instead of independent and commission-based. That means the lenders pay us, so you don’t have to. We look for the best rate and product that fits your needs, not the best commission. We believe in this process, and use it to provide amazing client service. Don’t take our word for it, let our reviews do the talking.

We’re direct to you. With our physical locations, we’re able to connect with our clients in real time and compete on availability. So call us, direct message us on social media, apply online, or just walk in and come hang with us so we can talk mortgages at any of our 11 locations across Canada.

Easy-to-use mortgage tools. We've developed great online tools, like our simple online application form, our Compare and Save calculator and a Preferred Language selector (to get an expert broker who speaks your mortgage language) to make your process as smooth as possible.

We're now a lender ourselves. With our certification from Canadian Mortgage and Housing Corporation (CMHC), we're able to reduce costs and lower your rates even further through our very own THINK Financial. We believe that focusing on what makes us different (aka forward-thinking versus the status quo) allows us to make new rules to offer better service at a lower rate. We’re always innovating new ways to get you a better mortgage, while others are sticking to business as usual.

We have connections throughout the entire mortgage supply chain. We can provide referrals for realtors, lawyers, home inspectors — just about anyone involved with your home purchase. Our long-standing, trusted relationships within the industry allow us to continually add value for your entire mortgage process, to save you time, stress and money.

Read more: Bank vs Broker, which is the better choice for you?

We're proud of what we’ve built and the better mortgages we can offer our Canadian clients. It's what we love to do, and why other mortgage brokers can't compete.

Need a great rate on your mortgage? Give us a shout, anywhere you are in Canada. It's literally a no-brainer to use True North Mortgage.

Easily apply online. Or get a convenient call back.