Victoria Mortgage Brokers

Get the best rate AND right mortgage solution, just for you.

We love solving your mortgage needs, simply and with benefits beyond saving cash. Our full-service approach, expertise, and technology help you make informed decisions to help you reach your financial goals.

Whether you're a first-time home buyer, own a business, want a second property or a renewal or refinance — our expert mortgage brokers help you take advantage of available programs and rebates to get the best deal.

Not sure which rate type is best for you? We take you through the details to help you choose and even the payment type to help you save more interest over your mortgage term.

We'll also guide you through your mortgage fine print, so you know all the privileges and penalties that come with your mortgage. We have access to thousands of products to find the right match for your needs, and the best rate along with it.

Our unified, salaried team will help you every step of the way, making your mortgage journey easy and stress-free.

At True North, you get Canada's best mortgage.

Better than your bank.

Our brokers have strong connections with a variety of lenders so that we can offer you a better rate than your bank, even from your bank. Plus, our huge volume allows us to pass along rate discounts. If you find a lower rate (that you qualify for) on a similar mortgage, we'll beat it or give you $500.

Better than online-only mortgage websites.

We help you see the mortgage fine print and how our better rates come with the flexible mortgage options you need — with less fees and penalties if you need a change later. Those ultra-low rate websites you see? Careful, they can come with hidden fees or scary restrictions, and their service can fall short when things get complicated.

Better tools help you see the numbers.

We have the best tools in the business to help with your mortgage needs, like our online application form that goes where you do. Our calculators, such as our mortgage payment calculator, help you see how your budget lines up. Our broker-supported, mortgage-focused platform ensures you receive the right advice, in your preferred language.

Better client reviews, by far.

We have over 13,000 5-star reviews, the most in the business — because we put you first to save more and stress less. We're easy to get a hold of, now and later.

Talk to us, save your money — it's free and no obligation.

Want us to call you when it's convenient? Schedule a call-back right now.

Victoria's Best Mortgage Rates

There's proof that we have lower rates.

It's the True North Mortgage Advantage — for years our rates have been 0.20% lower on average compared to the big banks or other monoline lenders. We strive to provide you with your lowest rate for which you qualify and provide clear details to help you decide between a fixed and variable rate.

What affects your best rate?

A range of factors, such as the federal stress test, income, credit standing, property price, and down-payment amount, influence your mortgage rate. Our brokers can navigate the details that impact your rate and even offer guidance to improve your application to secure a better rate.

Lock in your rate before it changes.

Renewal coming up? Want to refinance? Looking to buy a home?

Apply online or contact us to get pre-approved and hold your mortgage rate for up to 4 months (depending on the lender). You'll have peace of mind while you make (mortgage) decisions!

Want a helpful mortgage renewal reminder? Get one here!

Victoria: In-demand housing market.

A beautiful city on Vancouver Island with a population of over 360K, Victoria's housing market will likely see continued demand (and perhaps higher prices) in 2023, buoyed by a strong economy as a desirable place to live in Canada.

Here are some helpful mortgage topics and advice for the Victoria area:

• Housing Stats
• Pre-Qualify in Minutes
  
• All the ways to save on your mortgage
  
• Payment Frequency, Explained
  
• Need Purchase Plus Improvements?
  
• Multigenerational Mortgages
  
• What is an Insured Mortgage?
  
• Where home prices are going
  
• Mortgage Down Payments
  
• British Columbia Mortgage Historical Rates