Apply Now

Apply

Phone
Today's rates
Please Note: Rates are only valid where subject property is located.

Montreal Mortgage Rates & Brokers

In a balanced market, save with our lower rates.

Culture abounds in Montreal. But its housing market will continue to remain relatively balanced in the short term, as housing needs neither exceed nor fall short of economic pace and demand.
 

Is it your time to invest before any volatility sets in? Whether a home, income or vacation property, we can help save you time and money. Our mortgage brokers can offer you the lowest Montreal mortgage rates and find the solutions that make sense for your situation. Visit, call or apply online today to discover the True North Mortgage advantage.
 

Want the lowest rates? Talk to us.

With talk of future interest rates trending upwards, it’s important to look for the lowest possible mortgage rates in Montreal. Our mortgage brokers deal with all accredited lenders on your behalf, so that you don’t have to. Then, we pass our volume discount along to lower your rate even more. Contact us today to help save thousands on your investment.
 

Hold your rate with us, today.

A lot can happen in four months—so let our mortgage specialists hold your rate against any increases (up to four months depending on the lender). In the meantime, we can help you find the best mortgage solution for your needs, with the exceptional and unified service that defines True North Mortgage.
 

Highly trained, at your service.

Our mortgage brokers in Montreal know the rules and the lenders, and they work hard for your mortgage needs. We strive to respond to your initial contact—online, on the phone or in-person at one of our convenient locations—within 48 hours. We’re dedicated to finding you the best rates and answers for your mortgage needs. Contact us today.
 

Visit our Montreal location today

Fixed Mortgages - Closed

Term

Everyday Rate

Limited Rate

1 Year

Everyday Rate: 2.99%

  • 30 year amortization maximum, 25 year on High Ratio
  • 15% lump sum payments allowed.
  • 15% increase to regular payments

Limited Rate: 2.94%

  • Minimum Mortgage $150,000
  • 25 year amortization, High Ratio
  • 10% lump sum payments allowed.
  • 100% increase to regular payments
Expand

Apply Now
Hold your rate

2 Year

Everyday Rate: 3.14%

  • 25 year amortization
  • 15% lump sum payments allowed.
  • 100% increase to regular payments.
  • pre-approvals available.

Limited Rate: 3.09%

  • HR mortgages
  • 20% lump sum payments allowed.
  • 20% increase to regular payments.
Expand

Apply Now
Hold your rate

3 Year

Everyday Rate: 3.34%

  • 30 year amortization maximum.
  • 15% / 15%+ prepayment options.

 

Limited Rate: 2.95%

  • 25 year amortization maximum.
  • 20% / 20%+ prepayment options.
  • High Ratio 
Expand

Apply Now
Hold your rate

4 Year

Everyday Rate: 3.34%

  • 30 year amortization maximum, 25 year on High Ratio
  • 15% lump sum payments allowed.
  • 15% increase to regular payments. 

Limited Rate: --

Expand

Apply Now
Hold your rate

5 Year

Everyday Rate: 3.29%

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

Limited Rate: 3.14%

  • 25 year amortization
  • High Ratio
  • 90 days rate hold
  • 20% lump sum payments allowed
  • 20% increase to regular payments
Expand

Apply Now
Hold your rate

7 Year

Everyday Rate: 3.69%

  • 30 year amortization maximum, 25 year on High Ratio
  • 15% lump sum payments allowed.
  • 15% increase to regular payments.

Limited Rate: --

Expand

Apply Now
Hold your rate

10 Year

Everyday Rate: 3.99%

  • 30 year amortization maximum.
  • 15%+ lump sum payments allowed.
  • 15%+ increase to regular payments.
  • Pre-approvals not available at this rate

Limited Rate: 3.79%

  • 25 year amortization maximum on insured deals
  • 15%+ lump sum payments allowed.
  • 15%+ increase to regular payments.
  • Pre-approvals not available at this rate
Expand

Apply Now
Hold your rate

Variable Mortgages - Closed

Term

Everyday Rate

Limited Rate

5 Year

Everyday Rate: 2.70%

  • Prime - 0.75%
  • 15% lump sum payments allowed.
  • 100%+ increase to regular payments. 

Limited Rate: 2.21%

  • Prime - 1.19%
  • Must close within 90 days of approval
  • high ratio
  • Not available on rental properties
  • 15% / 100% prepayment options. 
Expand

Apply Now
Hold your rate

Variable Mortgages - Open

Term

Everyday Rate

Limited Rate

HELOC

Everyday Rate: 3.70%

  • Prime +0.50%

Limited Rate: --

Expand

Apply Now
Hold your rate