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

Victoria Mortgage Brokers

Better mortgage rates and more flexible options are why our brokers are the best in the industry.

It's a no-brainer to talk to us — we can help you save money and time, sometimes in dealing with your own bank

Victoria TNM City Page

The best mortgage broker in Victoria to help you save.

At True North Mortgage, our expert brokers do huge volume, allowing us to pass a mortgage rate discount on to you.

We also access several accredited lenders on your behalf (including our CMHC-approved in-house lender, THINK Financial) to find the right mortgage fit for your exact situation, whether your details are straightforward or more complex (and require a stress-free short-term solution).

It all adds up to offering you rates proven to be 0.20% lower on average than everyone else, plus the mortgage options that can help you pay your mortgage off faster,.Our smooth and hassle-free process will restore your faith in a pleasant mortgage experience, and our top-notch service is provided in your preferred language. It's free, and there's no obligation to get your personalized mortgage advice.

From start to finish, we are here to support all your mortgage needs. Apply with us now!

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.

We do better mortgages. It's what we love.

We're highly trained, experienced — and dedicated to helping you save time and money. We're not just experts, we're real people who care about your success (because we've been there, too).

We streamline the process from start to finish to make it easy for you. Get pre-approved quickly, get answers to all your questions, and let us handle the details with time to spare.

And if you need a mortgage change later, the right fit may cost you less in fees and penalties. We're here for a lifetime of mortgage help, connect with us today!

Jacky Cheong

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 15,000 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.

We beat our competitors rates

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 MFC 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:

We can help you save thousands.