The Most Competitive Rates1 in Canada - Guaranteed.

Earn Hudson’s Bay Rewards points!

 

True North Mortgage offers you:

Lower Rates:

Even from your own bank.

No Fees:

Plus we cover your appraisal costs.

Peace of Mind:

Let us deal with the banks for you.

Fast Results:

Get answers within hours.

Get Your Rate There's no obligation. Apply Now

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 pre-approval or 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

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.

About True North Mortgage

True North Mortgage is Canada's largest independent Mortgage Broker. We have been rated the #1 Broker in Canada, and awarded Broker of the Year for two simple reasons: we offer the best mortgage rates and we provide excellent customer service.

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Current Rates

Fixed Mortgages - Closed

Term

Everyday Rate

Limited Rate

1 Year

Everyday Rate: 2.54%

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

Limited Rate: 2.44%

  • Insured Only
  • 20% lump sum payments allowed.
  • 20% increase to regular payments.
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2 Year

Everyday Rate: 2.24%

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

Limited Rate: 2.09%

  • High Ratio Purchase Only
  • 20% lump sum payments allowed.
  • 20% increase to regular payments.
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Hold your rate

3 Year

Everyday Rate: 2.54%

  • 30 year amortization and refinances available
  • 15% / 15%+ prepayment options. 
  • No Rentals or pre-approvals

 

Limited Rate: 2.29%

  • 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: 2.64%

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

Limited Rate: 2.49%

  • High Ratio Only
  • 20% lump sum payments allowed.
  • 20% increase to regular payments. 
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5 Year

Everyday Rate: 2.74%

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

Limited Rate: 2.39%

  • High Ratio Purchase and Transfer Only
  • Restriced lump sum and pre-payment options
  • Must close in 40 days
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10 Year

Everyday Rate: 3.69%

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

Limited Rate: 3.64%

  • 25 year amortization maximum.
  • 20% lump sum payments allowed.
  • 20% increase to regular payments.
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Hold your rate

Variable Mortgages - Closed

Term

Everyday Rate

Limited Rate

5 Year

Everyday Rate: 2.30%

  • 30 year amortization and refinances available
  • Prime - 0.40%
  • 15% lump sum payments allowed.
  • 15%+ increase to regular payments. 

Limited Rate: 1.80%

  • High Ratio Purchase and Switch Only
  • Owner Occupied Properties Only
  • Must close within 90 days
  • Bona-fide Sales Clause
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Hold your rate

Variable Mortgages - Open

Term

Everyday Rate

Limited Rate

HELOC

Everyday Rate: 3.20%

  • Prime +0.50%

Limited Rate: --

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Hold your rate