Toronto Mortgage Broker - RAC Centre
Lower Path Level, Richmond Adelaide Centre
120 Adelaide Street W Unit R1
Toronto, ON, M5H 4E4
Monday - Friday:
8:00am - 5:00pm
True North Mortgage - Toronto - RAC Centre
Since True North Mortgage opened our doors, the company’s priority has been to offer Canadian home buyers timely mortgage advice for YOUR needs, paralleled with the best rates and mortgage products in the industry. Achieving this requires the knowledge and committed work ethic of one element; our people.
As a Toronto mortgage broker we are dedicated to serving the Toronto area and providing the best possible service combined with the best possible mortgage rates for our clients.
Languages spoken: English and Spanish
Check out our Google+ reviews
I had my mortgage for my first house done by Cristian Garrido (with Victor Tran initially helping me with my questions). Originally I was hesitant toward getting a mortgage from a mortgage broker as I thought they would have all these hidden fees etc. but I was wrong! They offered the LOWEST rate from the big 5 banks (I also went to TD, RBC, CIBC to ask for their rates during my mortgage shopping). The service was very excellent - they replied my emails very promptly, cleared up any misconceptions that I previously had re: broker, and the mortgage application process was very clearly instructed. I highly recommend their service and will recommend other people to them as well! Thank you!
- Sharon from Ontario, May 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
My experience was amazing, just like when I got my first mortgage through True North 2 years ago. Besides getting an amazing rate (which is most important to me), you made the whole process so easy for me and fast. I actually don't understand why everyone doesn't use a mortgage broker (probably because they don't know about it as an option unless someone tells them... that was the case for me for my first mortgage). I will always look to True North first when renewing my mortgage and continue to recommend True North to anyone I know when they tell me they need a mortgage.
- Paul 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
Thanks to Dashna Joya who offered me the best possible rate for the 5 years variable available in market. Her service was excellent through out the process and always responded to my questions in a timely manner. I strongly recommend Dashna to anyone who is looking for a mortgage.
- Mohammad from Toronto, October 2016
Our recent mortgage renewal was greatly facilitated by the hard work, dedication and professional work ethic of Dashna. Dashna was easy to communicate with and kept us updated on our file on a regular basis. She was always true to her word and honoured the commitments of the firm. When we renew our mortgage in the future we will certainly utilize Dashna.
- Scott/Ellen from Ottawa, 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
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 would like to let you know that We have an amazing experience with Cristian Garrido, he always goes extra mile to satisfy his clients. We always feel confident when we are handing out our file to Cristian, He is the key person and a valuable asset for your team and for your company's growth. I highly recommend Cristian and we will happy to come back in the future for any mortgage issues. We would like to thank again Cristian to get it done our file within the short time period.
- Nalini & Rex 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
Very recently we got a mortgage through True North Mortgage. Our contact was Cristian Garrido (License #M10001441). He was very prompt, courteous and very understanding to our needs. We had given him a very short time since the closing was very near. His assistance was indeed very timely for us and once again thanks to Cristian and we can recommend him to anybody who is looking for a good mortgage agent.
- Ranga 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
Thank you very much for all your help, Dashna. As a first time home buyer the whole process can be quite a bit daunting and intimidating (not to mention all the unknowns that I started knowing along the way...), but your help made it much easier. I'm very happy with the way you handled everything, we're glad that we got your referral! :)
- Rafael from Ontario, February 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
Hi Dashna, We would like to thank you for all your help in the matter of obtaining a mortgage for our new property. I know there was a lot of work on your part and we truly appreciate your understanding and patience with us to help us through getting everything finalized. You were very professional, courteous and kept us in the loop during the whole phase of the application and approval process. Even under tight time restrictions you were able to assist us in getting the mortgage we needed and all paper work sorted out in a timely manner. We would definitely recommend you (and we already have) to our family and friends for future mortgage needs. We received our keys yesterday evening and stepped into our new home, it was a great feeling for both of us!
- Ben and Nisha from Toronto, July 2015
Just a note to say how comfortable it was to work with True North in refinancing my mortgage. We had some glitches with the underwriting department with the bank, but the people with whom I worked with, Stacie Lemon and Dashna Joya,were both cordial and efficient in bringing the process to a successful conclusion. Dashna was especially helpful, and I am most grateful to her. Real people working for corporation do matter.
- Barry from Toronto, July 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
Dashna, you have been fantastic. We really appreciate all your work and efforts in getting this done in a timely fashion. Take care!
- Rosie and Andrew from Toronto, March 2015
Hello Dashna, This is to convey my utmost appreciation for the guidance and assistance you gave me to obtain the mortgage. I decided to try True North Mortgage after getting inadequate customer service from a couple of other mortgage brokers. The issue mainly was communication; they are slow in returning calls if they did. Speaking with you the first time gave me the impression that you are the right person to deal with as you explained clearly the rates, steps, requirements and the timeline in getting a mortgage. Best of all, it was easy to get a hold of you, calls and emails were returned and responded to in a timely manner, and issues and solutions to these issues were explained very clearly. You made the whole process downright easy. I have and will certainly recommend you to families and friends requiring your services. Again, thank you very much.
- Ricardo from Toronto, March 2015
Hi Dashna, it was a pleasure working with you. You were wonderful to deal with and the service you provided exceeded all my expectations. Thank you and hope to work with you again.
- Dong from Toronto, January 2015
Just wanted to thank TNM and Cristian personally for successful completion of my mortgage renewal. Great job by Cristian. Everything was done promptly with all arrangements made as early as possible, guaranteeing an excellent rate well before closing date. Peace of mind and a smooth process all along. Will talk to Cristian first when renewal time comes around.
- H from Newmarket, November 2013
My introduction to Cristian was purely because I left my number on a Google search result website when looking for the best mortgages available. I did the search even though I was already with an existing mortgage broker. To my surprise, Cristian called me back and offered me a better rate, with the same lender. However, my reason for writing this email is to say that I am very pleased with the service Cristian has provided me. He was extremely efficient and was able to get the mortgage approved in less than a week. He lacks nothing when it comes to professionalism and his responsiveness to my many questions kept me at ease throught-out the transfer from my existing broker to TNM. Even after closing on the mortgage he went the extra mile to try and help with an adjustment of the payment date. I believe, a resources such as Cristian, is a valuable asset to TNM and will help your organization immensely.
- Nikhil from Ontario, November 2012
There are simply are no superlatives sufficient to thank you for your fantastic service! You went out of your way to help me until closing date and because of your intervention, I was able to inform the lawyer about what was missing. Now everything is going through fine and in the right direction. Thank you absolutely for everything you have done. The communication, professionalism and efficiency throughout the whole process was above and beyond, I am forever humble and grateful for your service. I will be recommending you to everyone!!! Thanks again.
- Dilia from Toronto,