# Mortgage Insights - Fall 2025 ### Fall 2025 # Great mortgage advice is like a warm blanket. ## Cozy up, Canada. Your mortgage comfort(er) is here. You know that feeling when you're chilled, and someone brings you a warm, cozy wrap? (If you prefer the chill, it's the same feeling as saving more on your mortgage.) That's what we do for you here at True North. Our **great rates and advice** help bundle you up in budget comfort — no matter how chilly the [economy](https://www.truenorthmortgage.ca/blog/mortgage-rate-forecast) gets. ## Crunch leaves, and leave the numbers to us. We put you first for **better numbers** (e.g. lower rates, fewer fees, and spotting higher penalties in the fine print), which can help you save thousands: - Get better rates or features for your upcoming mortgage [renewal](https://www.truenorthmortgage.ca/mortgage-solutions/renewals-transfers) - Can you save by [breaking](https://www.truenorthmortgage.ca/blog/how-much-will-it-cost-to-break-your-mortgage) for a lower rate? - Rates have [dropped](https://www.truenorthmortgage.ca/blog/mortgage-rate-forecast), is it time to find a crisp new [home deal](https://www.truenorthmortgage.ca/mortgage-solutions/pre-qualify-in-minutes)? - Looking for money to fall from trees? (through a mortgage [refinance](https://www.truenorthmortgage.ca/mortgage-solutions/refinancing-options)) - Wondering how a mortgage works for a [prefab home](https://www.truenorthmortgage.ca/blog/prefabricated-home-mortgage-canada)? Or [no-interest](https://www.truenorthmortgage.ca/blog/halal-mortgage-financing) (Halal) financing? Read on for unbiased advice, plus get essential home maintenance tips before the white stuff piles up (on top of other piles). --- # Keep calm and kettle on. Here's helpful info to warm up your mortgage outlook. ### Your renewal rate feeling a little drafty? Accepting your bank's first offer is like sleeping in a short blanket without socks. **[SWITCH AND SAVE?](https://www.truenorthmortgage.ca/blog/renewal-should-you-stay-or-switch-lenders)** ### Get out from under the pile. A mortgage refinance might help you gather the funds you need to pack up summer debt or tackle fall fixes. **[FALL REFINANCE](https://www.truenorthmortgage.ca/blog/refinance-for-funds)** *Need to connect with an expert True North broker? [Find one in your preferred language](https://www.truenorthmortgage.ca/company).* ### Falling for a prefab home? Some people knit scarves — we knit together better mortgage options. Here's how a prefab mortgage can work. **[OWNED OR LEASED LAND?](https://www.truenorthmortgage.ca/blog/prefabricated-home-mortgage-canada)** ### What other income can help you get a home? Rake it together — lenders often count other income sources for your mortgage app, like from side hustles, gov benefits, and rentals. **[CHANGE THAT ADDS UP](https://www.truenorthmortgage.ca/blog/mortgage-non-traditional-income)** ### Branch out with a Halal mortgage made for you. An alternative to interest-based financing, here's how a co-ownership model helps you own a home. **[NO-INTEREST FINANCING](https://www.truenorthmortgage.ca/blog/halal-mortgage-financing)** --- # Sip back and save. Check out our [spicy rates](https://www.truenorthmortgage.ca/rates), and [apply today](https://apply.truenorthmortgage.ca/apply-online/start) for *your* best rate. --- # Ready for sweater weather? Step outside and enjoy the spectacle of fall leaves — that is, until the cold wind blows them onto your lawn and beds and gutters. It's time to tackle your Fall Home Maintenance with our [tips and tasks](https://www.truenorthmortgage.ca/blog/fall-home-maintenance)! Help protect your home and heating before it gets *really* 'Canadian' (and less colourful) out there. --- ## Leaf it (your mortgage savings) to us. The seasons change, but your mortgage savings shouldn't. As Canadians adjust to economic uncertainty, budget room is more important than ever — our experts have a [pile of ways](https://www.truenorthmortgage.ca/blog/all-the-ways-to-save-on-your-mortgage) they can help you save. While a [bank](https://www.truenorthmortgage.ca/blog/bank-vs-broker) has that one-size-fits-all mortgage, we quickly narrow down the options (including your bank) to find your **best mortgage solution**, while offering personalized advice and strategies that support your homeowning goals. Every leaf is unique, and so are your mortgage details and rate. We dig in to **help simplify** your savings and process, whether your needs are straightforward or more [complex](https://www.truenorthmortgage.ca/mortgage-solutions/complex-mortgages). ## [Easily apply](https://apply.truenorthmortgage.ca/apply) online now **OR** ## [Talk to a broker](https://www.truenorthmortgage.ca/company) in your preferred language **[FALL BACK TO GREAT RATES](https://www.truenorthmortgage.ca/rates)** --- ### Layering on the great advice. - [Don't fall for rate comparison sites — until you read this](https://www.truenorthmortgage.ca/blog/mortgage-rate-comparison-sites) - [See how your renewal rate affects your savings](https://www.truenorthmortgage.ca/tools/renewal-calculator) - [How do self-employed mortgages work?](https://www.truenorthmortgage.ca/mortgage-solutions/business-for-self) - [Time to recast your payments lower?](https://www.truenorthmortgage.ca/blog/mortgage-recast) - [How much down payment do you need for a second home?](https://www.truenorthmortgage.ca/mortgage-solutions/vacation-and-second-homes) / /