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

How to Save the Most Online

Recent digital-only startups may seem convenient. But can they actually cost you more?

Things like incomplete service, hidden fees and restrictions and higher penalties can sure take the convenience out of a purely-online mortgage service. Luckily, we're here to help save your approval (and your money).

Save the most — with the best brokerage.

At True North Mortgage, even online, you get full service and a professional, highly trained broker at your side. For over 17 years, we've perfected your low rate, better mortgage options, and personalized, expert advice — for a speedy approval that helps you save thousands.

We've earned your trust with the most 5-Star reviews in the industry.

Mortgages can be complicated, but not to our highly trained brokers. We've helped many clients who were frustrated with a digital-only startup.

Our you-first service stands out no matter how you do a mortgage with us. You'll get a better product with your low rate and the attention your mortgage deserves for on-time lender approval.

We'll let our clients do the talking about our online service — check out what people say about us.

Read Reviews

With us, you know who's working on your mortgage.

Our crazy-good experts are clearly listed and easily accessible for mortgage help (in your preferred language). Whether you apply online or stop by a store, you get a real person who cares about your best mortgage experience, now and later.

Your dedicated broker is salaried and non-commissioned for unbiased advice. Need a down payment or debt-clearing strategy? Not sure whether you should choose a variable or fixed rate? They're here to help.

And, their huge volume means they pass along a rate discount, while comparing thousands of products and several lenders on your behalf for a stress-free process.

Pawandeep Singh - Home

Filled the application on the website, within 10 minutes was speaking with Rohit Sachdeva. He made the experience a very positive one, answered all my questions promptly by email or phone. I definitely recommend True North Mortgage.

– Jason L., January 2022

The process of switching my mortgage was made easy by TNM. Excellent communication and explanation. Received a much better rate, and will save thousands in the long haul.

– Dino S. from BC, October 2021

Cezary Lopatowski stepped up to the plate to get the deal done with tight deadlines during the holidays. The rate was absolutely amazing. One of the best customer experiences in any industry. Highly recommend.

– Devake H. from ON, February 2022

Superb customer service and a super rate! I would highly recommend Sharon Li. Thank you for all the work you did to make this an easy and non-stressful experience. Her genuine warmth and care came through in the emails :).

– Karen B., February 2022

Making mortgages easy breezy for over 17 years.

We've been happily giving our clients better rates, the easy way, for many (mortgage) years. Meanwhile, mortgage startups come and go, charging hidden fees and higher penalties while skimping on service. As a trusted full-service brokerage, we make light work of your mortgage.

Explore our great online tools

True North Mortgage Digital-Only Services
Industry leader True North Mortgage has been a Mortgage Industry leader and disrupter for over 16 years. Often imitated, never duplicated. In catch up mode, going for volume while skimping on service
5-star reviews We work and train hard for a unified service response, and it shows in our 12,000 reviews (and counting). We also have a perfect 5/5 on review platforms and at all store locations. Yeah, you should go read them. 😉 Sure, some 5/5's, but also a lot of 1/5's
Branch locations Yes. Prefer face-to-face help for the biggest purchase you'll likely ever make? Drop by and talk to your broker in person when 'online' just won't do. Nope. Nada. No in-person service offered, no brokers listed on websites, no mobile brokers.
Great online tools Definitely, our tools and brokers work in tandem for simplicity at a great rate. Yes
In-house lender Our experienced in-house lender has funded billions in mortgages since 2016. True North was the first broker to have a CMHC-approved in-house lender. Some do, though newer on the scene.
Funny restrictions and hidden fees? Nope. We believe that flexible options with your best rate saves you more, and we take you through the fine print to help you make the choice that's right for you. Ultra low rates and cash-back offers can come with hidden restrictions and fees, or higher penalties that may end up costing more, later.

Online, in-store & over the phone

Plus, mobile brokers who can come to you. Get the right advice for the largest financial decision of your life.

Find a store close by

Talk to a broker in your preferred language


We’ve helped Canadians arrange over $20B in mortgages.

True North Mortgage does more volume than any other broker — giving us access to the best possible rates from lenders. Plus, to get your rate even lower, we regularly sacrifice a portion of the commission paid by the lender to pass it on to you.

Easily get a better rate than your bank, from your bank