There's no place like your (first) home.
Dream of owning? We dream of helping you get there — with your best rate, better mortgage, and simple, stress-free process. Download our free buyer's guide!
We've been doing this mortgage thing for over 17 years — and we've helped many first-timers out of their parent's basement or break the cycle of renting.
There's a lot to know, especially to save more. Is your bank going to help you with all that? Short answer: No. But we can, as one of Canada's top mortgage brokerages. We exist to offer you the lowest rates in the industry through volume discounts and strong lender relationships. Our highly trained, salaried, non-commissioned True North Mortgage brokers offer unbiased advice that puts you first. We have the freedom to check with all lenders to get you the best rate and mortgage fit for your situation.
Talk to us — we make it easy. It's free to get our help in your preferred language, with no obligation.
Apply now, schedule a call-back, give us a shout by phone or email, drop by a store — wherever you are in Canada, you'll get a fast response and unbeatable mortgage advice. It's why we have the most 5-star reviews in the business.
See an ultra, ultra low rate on the web? Guess what? The mortgage that comes with it may trap you with higher penalties or restrictions that cost you more money in the long run or at renewal time. For your first mortgage, it's important to get the right fit at the best rate so that it works for you over the long term.
That's where we come in — we know mortgages inside and out and can find the right one for you. If you go to your bank, you'll only get what they offer. We can check with all of them (plus our own THINK Financial) which means you can sleep easy knowing that you didn't miss out on a better option.
Need cash upfront? We can offer Cash Back Mortgages on both variable and fixed rates. Ask us if this option is right for you.
Besides being a big commitment, it may be the single most important financial decision you'll ever make. That sounds hard, but we make the process easy and smooth, while saving you a pile of cash:
Read more: Mortgage FAQs
We have great advice that may help soften the financial blow of your first home. With higher entry prices, especially in larger-centre markets, there are federal and provincial programs and rebates available:
Feel free to talk to us even before you want to apply, to get the info you need. Then, when you're ready, we'll check with the lenders on your behalf and take you through all the options for your best financing solution. You'll get your mortgage approved at the best rate and most flexible terms.
Need a realtor? We can help with that too — with referrals based on our long-standing, trusted relationships within the industry.
It's your first mortgage, but definitely not ours. You'll have peace-of-mind knowing that our highly-trained brokers use their insights to assist you through every step of your mortgage process, smooth as silk:
When you first walk through your (own) door, you'll feel the joy of knowing that you got the best mortgage rate and fit, and that we're always here for you in the future (think mortgage renewal time!).
Some Canadians are coming up with more creative strategies to get them into home ownership faster. Here are some topics that may interest you:
We regularly help first-time buyers with all of the above mortgage solutions.
No matter where you are in Canada, expert mortgage help is a click or phone call away.
Essential information, tips and worksheets to help make your first home a reality.
Learn MoreA government program to help you get into the market with an interest-free loan.
Learn MoreOpen the door to home ownership — by using your RRSPs for your first down…
Learn MoreOur rates are 0.20% lower on average compared to everyone else. Prove it? Okay!
Learn MoreWe care, and it shows — we now have over 14,000 5-star client reviews.
Learn MoreKnow before you go (house hunting, that is). Get pre-approved fast, hold your best rate.
Learn MoreWhich to choose, variable or fixed? Some pros and cons to help you decide.
Learn MoreTake a closer look at how your credit works for getting your mortgage approval.
Learn MoreYour income matters for getting a mortgage. Here are some details.
Learn MoreWant to buy a home? You'll need at least 5% down. But wait, there's more.
Learn MoreYour closing costs are on top of your down payment — calculate them here.
Learn MoreNeed to renovate? Welcome to loan sweet loan. One manageable mortgage, one best rate.
Learn MoreGet to know the latest Housing Market trends to inform your buying and selling decisions.
Learn MoreYour mortgage is a big decision. Here's some info to help sort it out.
Learn MoreInsured mortgages can mean better rates and options. Here's how they work.
Learn MoreIs your spidey-sense tingling? Watch out! That bargain-bin rate may cost you more later.
Learn MoreHere are some things to know, to help get your pre-approval over the goal-line.
Learn MoreImportant things to keep in mind when buying pre-construction.
Learn More