Our 3.99% 6-Mo Fixed is the lowest mortgage rate available in Canada.

Montréal Mortgage Brokers

Want to save money on your mortgage? Of course you do.

We’re better than your bank, in so many important ways — like your best rate, more flexible options, and service that puts you first.

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Experts who care enough to offer your best rates.

Our highly trained mortgage brokers check with several accredited lenders to get your best mortgage rate and better mortgage fit compared to going to a big bank.

We're one of Canada's top brokerages, and our huge volume allows us to offer you a rate discount to lower your rate further. And, with access to thousands of products, having flexible options can save you more on penalties and fees, now and later. Need a customized solution based on your details? We have the flexibility to help compared to the often unyielding criteria of big banks.

See a 'bargain-bin' rate from an online source? It can come with hidden fees and restrictions that can cost you when you least expect it. Our True North Mortgage brokers provide transparent, unbiased advice for your easy, stress-free mortgage experience.

Spend a few minutes with us — it could save you thousands. Get help for all your mortgage needs in your preferred language!

Get great advice that fits your needs.

No matter your mortgage needs, your friendly, expert True North broker can help. Get pre-approved quickly, and get targeted advice that puts you on the path to reaching your financial goals while saving time and money.

We handle all types of mortgages, from first-time buyers to vacation or rental investment properties. And whether you're renewing or looking for a refinance, we'll find your best options to save on interest costs or access home equity for investment, debt consolidation, education, or upgrades.

We're obsessed with your better rate and your best mortgage experience. Apply with us now, or give us a call! We're here to help.

Simple process, exceptional service.

Think mortgages are complicated? Our expert brokers make your process so easy. We gather your details, check with lenders, and access the right product for your situation — while taking the time to answer all your questions. You get a streamlined process from beginning to end (on time) while saving more now and over the life of your mortgage.

It doesn't get better than your 5-star mortgage experience — we're real people here to help — online, over the phone, or at a store near you!

Trust True North for your mortgage savings.

Our amazing clients say it all.

Our non-commissioned, salaried brokers provide unbiased advice and unbeatable service — it's why we have over 15,000 happy-client, 5-star reviews (no one in the industry comes close). Every mortgage is different, and having a highly trained expert can be the difference between frustration over your bank not getting back to you and the joy of a great mortgage experience that saved you a lot more.

Innovative tools and tech, at your fingertips.

Our convenient online application form, and great calculators and tools, help streamline your process, while our digital client platform ensures quick and easy communication and updates. You get email reminders, phone follow-ups, and prompt support to ensure your deal is completed on time.

Our advice is free with no obligation.

We train top brokers from all over Canada to deal with the lenders and details for you. We save you money, time and stress — best of all, our mortgage service is free and unbiased. You can get pre-approved at your best rate or get helpful advice on programs or solutions available, but there's no obligation attached. We're confident you'll be thrilled with your rate and service, and we're to help you again in the future.

A few minutes with us can save you thousands!

Offered a better rate?

Montréal's Best Mortgage Rates

Want your lowest rate? Talk to us.

Our brokers have strong relationships with multiple lenders and exclusive access to our in-house lender, CMHC-approved THINK Financial. It allows us to offer a volume discount to lower your rate (for which you qualify) or just a better rate, period. On average, our rates are 0.20% lower than big banks and other MFC (mortgage finance corporation) lenders and have been for years.

The right rate and term.

Having trouble deciding whether a variable or fixed mortgage rate is the right choice for your situation and budget? What mortgage term-length should you take? We outline your options quickly and simply according to your specific details and help you make clearer decisions to achieve your mortgage goals.

Act fast, rates change quickly!

If you're buying a home, considering a mortgage change, or approaching your renewal, reach out to us, and we'll quickly pre-approve you to lock in your rate for up to 4 months (depending on the lender).

Get a renewal reminder here, so we can help you get your best rate and options to save more next term.

Montréal: Housing market

Montréal, a vibrant Canadian city steeped in history, is the 2nd most populous city in our nation, with over 1,700,000 area residents so far in 2023. Its housing is expected to continue cooling amid higher interest rates, resulting in more opportunities for prospective buyers looking for lower home prices in the area.

Here are some helpful mortgage tips and advice for the Montréal area:

We can help you save thousands