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Toronto Mortgage Broker - RAC Centre


Phone: 416-504-8355
Toll Free: 855-504-1855
Fax: 877-496-6232


Lower Path Level, Richmond Adelaide Centre
120 Adelaide Street W Unit R1
Toronto, ON, M5H 4E4

Store Hours:

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

True North Mortgage - RAC Centre

120 Adelaide Street W Unit R1
Toronto, ON, M5H 4E4

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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

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

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

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

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

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,

I had a good experience in transferring my mortgage recently with the help of Vipul Kaushal of True North Mortgage. True North Mortgage no only provides very competitive low mortgage rate beating most other market players, but also with high standard of professional quality service. During the mortgage transferring process, Vipul responded to my inquires very quick with meaningful answers and with courtesy. For some unique situations, he explored to figure out workarounds or alternative solutions.. In the end, I transferred my mortgage with great satisfaction, a better rate and no cost. You won't find a second better place like True North Mortgage to provide such kind of savings to consumers when living cost of everything else is keeping up, gas, tax, public transportation.

- Yu Xiao, Google

After having purchased a home this past summer, we had countless A and B lenders shutting their doors to our face by not approving us for a mortgage. Out of desperation and threats of a lawsuit, we had to go with a private lender on a 3 month term at a rate of 8%, interest only. Essentially we were paying rent in our own home. We were preparing to put our house back on the market under a Distress Sale when we discovered True North mortgage based on their outstanding reviews. The tide finally turned. Peter Esper was highly knowledgeable, professional, prompt and always available to answer our calls and emails. When we were panicking, he remained positive even through our tears and skepticism. He was our beacon of hope. He reassured us that we would get a mortgage from an A-lender bank. By some miracle, we got an amazing rate with Scotiabank and got approved in just one week. We couldn’t believe it especially when Scotia just rejected us less than a month ago with the other broker (who took 6 weeks to give us their decision). We highly recommend Peter Esper and True North Mortgage for their hard work, dedication to customer service, professionalism, knowledge and delivery. This was the greatest gift we could get this Christmas: our home. Thank you Peter for saving our home and us, by association. We will never forget what you’ve done for our family.

- Fatema Tokhy, Google

I am a first time homebuyer. Peter Esper from True North helped me with the process after being referred by a fried. I was very new to the system and Peter assisted me with finding a mortgage to suit my very specific (and unique) requirements; He was very helpful throughout the process, answering or returning my calls promptly. He is very knowledgeable and professional with his approach and solved all problems that arose during the process of my mortgage application. We closed the purchase smoothly. Happy to recommend Peter and True North to anyone

- Muzakir Majeed, Google

Peter Esper from True North Mortgage is INCREDIBLE! My husband and I were unhappy with the broker we used to purchase our condo over 6 years ago, so when we were on the hunt for a new broker for the purchase of our house we were lucky to come across Peter. Peter is knowledgeable, helpful, and an absolute pleasure to work with. We were able to purchase our dream home the very next day after meeting with him. We loved dealing with him so much we even transferred our existing mortgage through him based on his recommendation. I know my husband called/emailed him with questions almost daily and he was always fast in responding and willing to help in whatever way possible. We have been blown away by the level of knowledge, dedication, and customer service shown by Peter and cannot recommend him enough. With AMAZING rates and incredible customer service, what more could you ask for?

- Emily Thomas, Google

Could not be happier with our experience with True North Mortgage. Our Broker, Peter, got us an unbeatable rate. Perhaps more importantly, he went over and above to serve us well. He was there to walk us through the process from start to finish, and answered all of our (many) questions. Really demystified the process and instilled a lot of confidence in us that we were in good hands. Even on weekends, he got back to us within a few hours. I will be recommending True North Mortgage to all of my friends and colleagues, and will be referring them to Peter in particular.

- Julia Nanos, Google

Just wanted to say that I had a really pleasant experience working with Peter. He went over and beyond to answer any of my questions, even while he was on vacation! He made this entire process very easy, and I would highly recommend Peter and True North team to anyone looking for a mortgage broker.

- Suraj, Google

Peter Esper did a great job explaining all of the details to us and really felt more like a consultant than a salesperson. Thanks for making it easy to be confident in our mortgage choice, Peter!

- Brian Wodlinger, Google

I was in the market for my mortgage renewal, and chanced up the TNM website. I filled out a request form and was promptly called by Mike C. It was the best ‘cold email’ I have sent. Mike is extremely customer focused. He eases the customer into the process (which can be daunting at best) – and especially if your previous FI has not been the best in terms of being forthcoming. Even though I knew I was going to incur a loss in terms of hiring a lawyer to break my collateral lien, I knew I wanted to make the switch. That shows how well educated Mike is in terms of providing solid advice/suggestions/being transparent because he is super knowledgeable without being sales-y. I felt like I could trust the process because he made me feel like mine was the only case he was working on! (I’m sure it wasn’t). Customer service is off the charts. You can rest well knowing your mortgage in being looked after in Mike’s hands. I give him 5/5 stars for sure. Thanks Mike! - Sharon S.

- Sharon Sequeira, Google

I recently worked with Michael Capobianco from True North Mortgage, who helped us get a mortgage to fund our first home. Michael went above and beyond to make sure we not only received the best rate, but helped us navigate hurdles along the way (There were many both large and small). I give him and True North 5 Stars. I couldn’t be happier with my experience. I would definitely recommend working with them.

- Steve Laskowski, Google

I recommend true north.. My broker was Michael.. He was very helpful with my refinance. He was with me every step of the way. He was always available , patient and always courteous when responding to my email and phone inquiries. Thank you Michael for making it happen.!! Incredible service all the way.

- Marilyn Almazan, Google