Some of the banks we work with...

Welcome Hudson’s Bay customers.

If you are looking to purchase a home or renew your mortgage, consider mortgage-brokering services through True North Mortgage. In addition to the lowest fixed rate mortgages in Canada, you can earn Hudson’s Bay Rewards points, thanks to our relationship with Hudson’s Bay Financial Services.

1,000

1,000

5,000

Hudson’s Bay Rewards points2 earned:
When you provide TNM your current mortgage renewal date. For every $10,000 of mortgage funded. Upon approval of a mortgage application to lock in your rate.
Points can be redeemed for a Hudson's Bay Gift Card valued at:
N/A Would vary based on the total amount of the mortgage funded. $50

Best rates in Canada, Guaranteed.

We can offer you the best rates because we do more volume than any other brokerage in Canada. We have established relationships with over 30 accredited lenders who give us great rates, which we pass along to you. And we stand by our commitment to find you the best rate with our Lowest Rate Guarantee.

Not a Hudson’s Bay Rewards member, click Hudson's Bay Rewards to apply. 

We also offer you an exceptional experience when finding the best mortgage solution for your needs. Our non-commissioned, highly trained Mortgage Specialists offer fast, consistent and reliable service with no pressure or haggling over rates. Visit us at any of our 10 retail locations across Canada, online or by phone, whatever works best for you.

With our Lowest Rate Guarantee, it’s a risk-free investment into finding the best rate for your next mortgage.

Legal disclaimer:
1 Subject to approved credit, term and conditions apply.
2 1,000 Hudson’s Bay Rewards points are awarded by providing your current mortgage renewal date and permitting True North Mortgage to contact you prior to the expiry of your mortgage term. Earn 1,000 Hudson’s Bay Rewards points for every $10,000 of mortgage funded. Earn 5,000 Rewards points upon approval of a mortgage application. Each Hudson’s Bay Rewards point offer is limited to one Hudson’s Bay Rewards account per household. Unless otherwise stated, these Hudson’s Bay Rewards points offer cannot be combined with other offers and may change without notice. All Hudson’s Bay Rewards points will be awarded within four to six weeks. Hudson’s Bay Rewards points are not eligible for applications that have been previously approved. Mortgage must close after  April 20th, 2015

Current Rates

Fixed Mortgages - Closed

Term

Everyday Rate

Limited Rate

1 Year

Everyday Rate: 2.34%

  • 30 year amortization and refinances available
  • 20% lump sum payments allowed.
  • 20% increase to regular payments.

Limited Rate: --

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Hold your rate

2 Year

Everyday Rate: 2.49%

  • 30 year amortization and refinances available
  • 15% lump sum payments allowed.
  • 15% increase to regular payments.

Limited Rate: --

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Hold your rate

3 Year

Everyday Rate: 2.79%

  • 30 year amortization and refinances available
  • 15% / 15%+ prepayment options. 

Limited Rate: 2.39%

  • High Ratio Purchase or Switch Only 
  • 20% / 20%+ prepayment options. 
  • No Rentals or pre-approvals
  • Must close in 40 days
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Hold your rate

4 Year

Everyday Rate: 2.89%

  • 30 year amortization and refinances available
  • 15% lump sum payments allowed.
  • 15% increase to regular payments. 
  • Must close in 90 days

Limited Rate: 2.74%

  • High Ratio Only
  • 15% lump sum payments allowed.
  • 15% increase to regular payments. 
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Hold your rate

5 Year

Everyday Rate: 2.99%

  • 25 year amortization and refinances available
  • 20% lump sum payments allowed
  • 20% increase to regular payments
  • 30yr amortization @ 3.04%

Limited Rate: 2.59%

  • High Ratio Purchase and Transfer Only
  • Restricted Pre-Payment Options
  • Must close in 40 days
  • Other Conditions May Apply
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Hold your rate

10 Year

Everyday Rate: 3.69%

  • 30 year amortization available.
  • 15%+ lump sum payments allowed.
  • 15%+ increase to regular payments.

Limited Rate: --

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Hold your rate

Variable Mortgages - Closed

Term

Everyday Rate

Limited Rate

5 Year

Everyday Rate: 2.50%

  • 30 year amortization and refinances available
  • Prime - 0.45%
  • 15% lump sum payments allowed.
  • 15%+ increase to regular payments. 

Limited Rate: 1.90%

  • Prime -1.05%
  • High Ratio Purchase and Transfer Only
  • Restricted Pre-Payment Options
  • Must close in 40 days
  • Other Conditions May Apply
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Hold your rate

Variable Mortgages - Open

Term

Everyday Rate

Limited Rate

HELOC

Everyday Rate: 3.45%

  • Prime +0.50%

Limited Rate: --

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Hold your rate

No fees. Unbeatable rates. Renowned for service.

Our low rates matched with our impeccable service makes for an unbeatable combination. Honesty, purpose and efficiency are at the core of everything we do. We go the extra mile to earn your trust, save you thousands of dollars, and do the best to meet all your mortgage needs.