Apply Now



Toronto Mortgage Broker - North York Centre


Phone: 416-595-9900
Toll Free: 877-366-0688
Fax: 877-420-7619


Main Level
Unit 105, 5140 Yonge Street
Toronto, ON, M2N 6L7

Store Hours:

Monday - Friday:
8:30am - 6:00pm



True North Mortgage - Toronto - North York Centre

To meet demand for our rates and service in the GTA and Ontario, we opened our second Toronto location September 1st, 2011 in the Metro Centre, however we recently moved this location to the North York Centre. 

The staff at our North York Centre location are experts on Toronto’s thriving condo market.  They finance condos for both investors and clients who plan on occupying the units.    The staff are also very familiar with standalone houses across the GTA and Ontario.  Our mortgage specialists will provide clients with the best rates from major Canadian banks, Canadian Trust companies, and local Toronto credit unions.

If you are looking for the lowest mortgage rates in the GTA, and well educated, friendly staff then stop by the our North York Centre location – we look forward to working with you!

Languages spoken: English, Hebrew, Russian, Cantonese, Mandarin, Hindi, Gujarati, and Punjabi

Check out our Google+ reviews

True North Mortgage - North York Centre

Unit 105, 5140 Yonge Street
Toronto, ON, M2N 6L7

powered by Google


This is the 3rd time I’ve renewed my mortgage with Yuval at TNM. He is a consumate professional and always gets the job done. I have been working with him for years and have seen him get married and have his first child. His service level has always been excellent. He knows when my mortgage is coming due, contacts me, finds me the best deal (I do compare) and takes care of the rest. I truly trust Yuval and would go to no one else!

- Ian from Toronto, April 2017

Finding and securing our mortgage approval through Victor Tran at True North really could not have gone any better. He provided very prompt and attentive service and kept in constant contact with us, with all of his hard work resulting with us securing the best possible rate we could have hoped to receive. As first time home buyers Victor really helped take the edge off and made us feel very confident in our purchase and mortgage. Met and exceeded expectations, thank you Victor!

- Tim from Ontario, April 2017

I just moved in my new home and would like to say thank you to Victor Tran who helped me obtain the mortgage. Victor guided me through the whole process and answered all my questions responsively and with great detail. He stayed on top of all misc. documents. I’m very impressed by Victor’s customer service skills and broad knowledge in the industry.

- Ling from Ontario, December 2016

Victor Tran provided the most professional, courteous and awesome experience in helping me transfer my mortgage recently. I always felt that I had a great resource in him from the smallest question to the insight needed in explaining the process to me every step of the way. I've already made a few referrals his way and I wouldn't give it a second thought to recommend him again. Thank you so much for your knowledge and help in getting me a fantastic rate and helping me to save a great deal of money over the life of the term. Thanks Victor and True North Mortgage!

- Adrienne from Ontario, November 2016

My search for a competitive mortgage rate ended when I came across Victor Tran of True North Mortgage on the internet. Victor is not only knowledgeable in his profession but extremely patient with his client. I’ve had numerous phone calls and email communication with Victor and he has been very prompt in answering all my questions. Victor helped me in every step in the process and I would strongly recommend his services to anyone in the market looking to borrow.

- Ramandeep from Ontario, October 2016

I purchased my home last year, and I only have positive things to say when it comes to Victor Tran and True North. I felt (and still feel) completely taken care of with regards to anything and everything mortgage related -every step of the way from getting my questions answered, to having information presented to me, to finally deciding to sign with True North. Victor is extremely helpful, knowledgeable and a dream to work with. Thank you for all your help!

- Linda from Ontario, September 2016

Paul Siu is amazing and incredibly helpful. I really couldn't have asked for a better Mortgage Agent especially since i'm a first time home buyer. I had so many questions and Paul was always patient with me and answered all my questions very thoroughly. In addition, he kept me calm that everything would be fine and it did. True North is lucky to have an employee like Paul.

- Catherine from Toronto, September 2016

I was a client with Paul Siu and it was an excellent experience. The agent took care of the whole process and no hassle at all for me. All communication is done through phone and emails so that I did not even have to make time for an appointment, which is really convenient. On top of that, unbeatable rate. Especially against the big banks. Highly recommended for renewing your mortgage.

- Yu from Toronto, September 2016

I was a client with Paul Siu and it was an excellent experience. The agent took care of the whole process and no hassle at all for me. All communication is done through phone and emails so that I did not even have to make time for an appointment, which is really convenient. On top of that, unbeatable rate. Especially against the big banks. Highly recommending Paul as your mortgage broker.

- Mikalai from Toronto, September 2016

My first and primary contact at True North was Paul Sui. He was very knowledgeable and provided fantastic advice, while listening to me and answering all my questions. I was leery of going with a big "impersonal" broker in another city, but True North was able to get me the great rate that a large broker can get while providing the friendly personal service I would have expected from a smaller company. Thanks Paul, thanks True North.

- Gerry from Toronto, September 2016

My experience with True North Mortgage was absolutely pleasant from start to finish. If you're looking for a great customer service experience and great rates, this is the place to go! I was assisted by Paul Siu. Not only did he walk me through every step of the process, he also put in the extra hours to make sure everything was to my liking. Paul was always accessible and really took the stress out of a potentially daunting task. When you talk about thorough and knowledgeable staff, Paul comes to mind. In the end, I can rest easy knowing I got the best rate and the best customer service available. I will definitely be recommending Paul and True North Mortgage's services to my friends and family!

- Gordon from Toronto, September 2016

Victor Tran at True North was super helpful with our mortgage. He answered a number of questions for me very early on in the process and based on our conversations I came back to him once we had settled on a place. While the rates True North can get are obviously key when comparing with a mortgage from a bank, Victor's customer service was definitely a cut above and key to our decision to get a mortgage through True North.

- Stephen from Ontario, August 2016

We were referred by one of our friends who had a great experience with TNM. And how lucky were we! TNM provided us the most competitive rate out in the market during our search for the mortgage on our next new home. The customer service quality is just superb comparing to other major financial institutions. Victor Tran, the agent who gave us the best experience during this search by not only explaining things clearly and precisely, guiding us through the process but also responding promptly, proactively and professionally. Victor made it easy for us to make one of the biggest financial decisions in our lives. He took our best interest to his heart and we are really fortunate. We definitely will refer TNM and Victor to the people we know who will need great rate and services for their mortgage.

- Simon from Ontario, August 2016

We could have not been more pleased by the level of customer service and unbeatable rate we got on our mortgage. We are expats and first time buyers in Canada and had no idea about how things work here, very different from France. Victor provided us with all the information needed to move forward with our purchase and guided us every step of the way with our application which wasn’t an easy one! He was very knowledgeable, responsive, constantly on top of things and provided us with top notch customer service. I would highly recommend True North Mortgage and Victor Tran to anyone looking for the best mortgage rate and customer service excellence.

- Lysianne from Ontario, July 2016

Victor Tran was amazing. As a first time buyer he was very patient and thorough in explaining everything in detail. Things got hectic and very last minute and he did everything in his power to ensure everything closed off smoothly. He was very prompt in responding to emails and he always responded - no wondering if he got my emails or not. I have a very hectic life so I probably only spoke to him once or twice on the phone and everything else was via email. He always gave me attention and was very knowledgeable and honest. I am extremely happy and recommend him to anyone looking for a mortgage.

- Lainey from Ontario, June 2016

I used to get loans from the big banks. This is the first time I got a mortgage through a broker. The experience with True North Mortgage was really amazing. Victor Tran made the whole process stress free. He not only helped me find the lowest mortgage rate, but also provided very professional services - email responses were always prompt; very patient to answer my questions and more.

- Fox from Ontario, June 2016

I had an amazing experience with True North Mortgage and Victor Tran in particular, he was extremely prompt with even the tightest closing date times and was always there to answer any and all of my questions as a first time home buyer.

- Katerina from Ontario, May 2016

Words cannot express how exemplary the service of Victor Tran is. Victor is incredibly knowledgable, patient, transparent and most importantly, honest. As a first time home buyer, I was clueless as to how the process works. Victor provided me with very clear, concise information, to educate me on the important topics. His primary motivation was my well-being and the response times were incredibly fast. Victor was also willing to communicate with me primarily through email as a convenience to my work schedule. I have already recommended Victor to my family and friends for all future mortgages. Please keep up the fantastic work!

- Bayan from Ontario, May 2016

Victor was absolutely amazing and helpful when it came down to refinancing our home. It was our first time going through the process and our situation was unique. He was patient and was able to address our concerns promptly. He made us feel reassured and clarified the entire process. Vincent was very genuine and unlike most services he provided exceptional service even after committing to a lender. He made sure we were taken care right up to the date of refinancing He was able to give us the best rate on the street but I was more impressed on his service. The least I can do is leave him a positive review. Please book your future appointment with Victor!

- Alvin from Ontario, May 2016

Oddly enough, I came across Victor Tran and True North Mortgage on the internet. They were offering mortgages at a very competitive rate. I called and spoke to Victor who proved to be a competent, intelligent, prompt, well-spoken man who kept things simple and provided exactly what was advertised. No hidden fees. Just plain good service.

- Claude from Ontario, April 2016

I wanted to send a note about Victor Tran. I don't think I will be able to properly express in words what an amazing employee you have. From the moment I picked up the phone his professionalism and amazing personality made me not look elsewhere for a better rate. Crazy I know, but I had to call back immediately and book with him. Victor never pushed but instead gave me all the facts and I believed him. Victor also has tremendous and quick follow up like I have never experienced before and I truly felt he cared. I'm emailing you because I felt the need to tell you how happy I am that I called and he picked up the phone. Purchasing a home is never easy and to have someone so on the ball and caring was amazing. You have something really special.

- Tanya from Ontario, March 2016

I obtained a mortgage with True North in 2015 - my broker's name was Victor Tran. He is indeed a bar raiser for his industry, always following up on matters related to my account and resolving any problem before they arise. He helps educate his clients by explaining in detail what is required and the most effective course of action. Victor is patient and very professional. I highly recommend contacting Victor to obtain a mortgage if you want experienced, professional and the best mortgage rates around town.

- Brian from Ontario, January 2016

My experience with Victor at TNM was very good. He is very helpful, quick in answering queries and resolves any doubts that you may have about the mortgage. I never imagined getting a mortgage would be sooooooo easy :). The process itself also was very quick. You get to know all about what you are going to get and you get exactly what you are told.

- Divyesh from Ontario, October 2015

Victor Tran was our mortgage broker from True North and he offered superb customer service. He was very responsive to all my requests and questions throughout the whole process and provided responses and solutions promptly. He even educated me on the difference between collateral charge and standard charge mortgage which I did not know would make a big difference at mortgage renewal. We were able to get the lowest rate with minimal conditions. Thank you Victor! I would not hesitate to recommend True North to other people.

- Judy from Ontario, September 2015

We selected True North Mortgage for our first mortgage based on positive online reviews and the promise of competitive rates, and were not disappointed. We were extremely happy with the service we received from our mortgage agent Victor Tran, all the way from pre-approval to closing. Victor processed our application very efficiently and was always available to respond any questions that came up. We would not hesitate to recommend Victor and True North to anyone in the market for a mortgage – they will get you the best available rates with no haggling and provide great customer service along the way!

- Mike from Ontario, August 2015

Yuval was friendly, professional and absolutely fantastic. He resolved all of our concerns quickly and efficiently and was generally on top of everything. We couldn't have asked for better care and service.

- Samuel from Ontario, June 2015

I really enjoyed working with True North for my first mortgage. My mortgage broker, Victor Tran, made the experience as stress-free as possible. The communication was clear, quick, and very informative. I consistently felt like a priority. As a first-time home-owner, I was new to everything that comes with buying a home and Victor did so much more than just secure my mortgage. Not only did I secure the lowest rate heard of by friends, family, and colleagues, but I also trusted that Victor was looking out for my interests - such as shopping for an equally low rate with less restrictive conditions. He was also helpful in searching for a lawyer, suggesting best practices, and warning me about first-time homeowner pitfalls. I can confidently say that I will be a returning True North Mortgage customer.

- Patricia from Ontario, June 2015

My experience with True North Mortgage was exemplary. They offered me the best rate right off the bat and then bested any offer my previous lender offered. Victor Tran was a consummate professional throughout the process. A steady consistent hand that kept me in the loop and kept everything on track. A pleasure to do doing business with.

- Lee from Ontario, June 2015

Paul made me very comfortable with my mortgage. He was constantly fighting to get me a better rate. He was very easy to work with and very trustworthy. Very professional and he follows through and keeps you up to date with what is happening. Highly recommended.

- Michael from Ontario, June 2015

Paul Siu made me convinced that TNM was reliable and helped me a lot when I was skeptical about TNM. He was kind, friendly, professional and prompt to respond my queries with good explanation always. He was amazing and I highly recommend him.

- Seokjin from Ontario, June 2015

Paul Siu is a great guy, he helped me to apply the best rate mortgage. He answered all questions quickly and solved problems carefully. Reliable person and reliable company.

- James from Ontario, June 2015

Paul was very helpful and was awesome at securing our mortgage. Great company to deal with.

- Cheryl from Ontario, June 2015

I had spoken to several different mortgage brokers before finding Paul Siu, who immediately struck me as highly knowledgeable as well as concerned about our needs. We ultimately ended up with a very satisfactory product, thanks to Paul’s competent guidance. I would recommend him and True North Mortgage in a minute.

- Nelson from Ontario, June 2015

Paul was able to tailor a product to meet my very difficult situation. He was wonderful to work with and was always available to go the extra mile to ensure that everything was done properly. I cannot recommend Paul highly enough!

- Andrew from Toronto, June 2015

Yuval was a great help to us, he was available to answer all our questions, explaining things simply. He also was quick to return our calls and follow up with us. He worked hard to find us the best mortgage for our circumstances and time frame. He is AA++++ in our books. Thanks again Yuval!

- Marlon from Ontario, April 2015

I got my mortgage thru Yuval Fish at TNM and it was a great experience, Yuval was amazing he gave me great advice and a competitive rate and when it was time to sign the rate went down and he got me a better deal. He is very knowledgeable, I would recommend him to anyone. 

- Kajam from Ontario, January 2015

Yuval was efficient and prompt to respond to my queries. He didn't hesitate to help me even with follow up questions or concerns. Highly recommended. 

- Jennifer from Ontario, January 2015

... I just wanted to let you know that my husband and I were very happy to have worked with Yuval Fish for arranging a re-financing of our mortgage. He was prompt and efficient in his replies, very helpful and knowledgeable and followed up at every stage. We are very pleased that we decided to work with TNM instead of with the bank we had been with for more than 10 years.

- Jennifer from Ottawa, September 2013

Just wanted to let you know that Yuval helped me secure my mortgage earlier this year and he did a splendid job. It was the first time I was buying a property and Yuval answered all my questions with professionalism and great patience.

- Haris from Toronto, August 2012

We found you to be pleasant and very easy to talk to. You usually always had the answers to the questions we were asking and if you didn’t, you promptly got back with a response. We ended up with not just a great rate but a mortgage package that is very flexible and one that will work for our circumstances going forward. Thanks again for all your help.

- Steven from Toronto, August 2012

Yuval was very knowledgeable and prompt in responding to all email and phone enquiries and is a very likeable person. To date I am satisfied with the mortgage that I was able to obtain through True North and I don’t believe I could have gotten a better rate or terms from another company. I find it surprising that the lender I had been with for eight years could not even come close and would not match the rate. I find it interesting that they chose to lose my business instead. My father-in-law who used to be a bank manager still can’t believe the rate and the terms that I got which were much lower than the banks advertised ones. It is easy for a consumer to say they got great customer service when all goes well and a transaction is seamless but the true test of whether an individual and/or company has provided great customer service is how they respond when something goes wrong or when there is an issue that needs to be resolved. In my case there was a misunderstanding regarding fees and this is where Yuval and True North both stand out as exceptional. I was initially quite put off with Yuval’s intial response of “Hey Rachel, I did find out from ICICI and they actually don’t reimburse the discharge fee or the registration costs.” however at the end of the day he redeemed himself by being proactive and talking to his manager and arranging for a full refund of the $250 discharge fee. I was truly amazed at the expediency in which the cheque arrived! If the fee had not been covered I would have been left feeling that the company/agent was flippant in this regard and probably didn’t care as he/they had already got my business. On the other hand because of the way the issue was resolved I believe that this is a company that is actually concerned about reputation and customer service, and not just paying lip service. The fact that you are soliciting feedback is also another good sign. Thank you for actually putting your money where your mouth is. I have since told quite a few people about your company and because of the way my issue was handled I plan to use your company again when my mortgage is up for renewal.

- Rachel from Mississauga, August 2012

Yuval was GREAT! He drove me a bit crazy with his paper work requirements but that was the lender not him. Patient, technically sound, answered my questions and got me through the long process. It was long and difficult but I am very satisfied with my 10 year mortgage that Yuval convinced me was in my best interests. Top marks for him, true professional.

- Warren from Ottawa, August 2012