Compare & Save

Go ahead. Slide the button. It'll make your decision easier.

Where will you be in a few years? See for yourself how much you can save with our lower rates. (Maybe that extra savings means you'll be on a beach somewhere.)

Compare Rates and Save


Save over 5 years:


A lower rate gives you more savings than merely a lower monthly payment. The real savings is both the interest saved, plus the additional principal paid down over the term.

The difference in monthly payments would be 41, but the value is considerable more.
Total monthly payments
Principal paid over term

Various tools and functions of this website perform calculations and provide cost estimates. These tools are designed for illustrative purposes only and make many assumptions that may not reflect all situations. Please use these tools in collaboration with a True North Mortgage agent. True North Mortgage does not guarantee the accuracy, reliability or completeness of these tools or calculations.

Our True North Mortgage Compare & Save Calculator

It's illuminating. Here's what it does.

Our built-for-you calculator helps you quickly visualize the considerable savings of a lower mortgage rate over a typical mortgage term period. It shows more than just the interest saved — and while that can be a substantial number all on its own, our calculator also shows you how much less principal you'll owe at the end of your term. That means more savings, and more ways to use your money for other things, on your terms.

It also helps you see that finding your best rate (along with a great mortgage fit) can really make a difference. That's why we do what we do, so that you have a better choice than your bank, and a better way to get a mortgage.

Apply now or start an online chat to get your best rate and save a pile of cash.

Our calculator starts with some numbers worth understanding:

  • Lower Rate is our current 5-year fixed rate.
  • Higher Rate is 0.20 more than our current 5-year fixed rate. On average, this is how much lower a True North Mortgage rate is than the competition (aka the banks), thanks to our volume discount that we pass along to you. Want more proof that our rates are lower? Check out our blog post for the data behind our great rates.
  • Mortgage Size is the average price of a home in Canada.
  • Mortgage Term is first set to 5 year fixed. This is the term and rate-type that many clients prefer to lock in at, given the current historically-low rates. In the dropdown, you can choose the term for whatever time you may have left on your current mortgage to see how much you'll save with our lower rates.
  • Amortization is set to 25 years (by far the most common).

Remember that you still have to qualify for your lower rate — but we can help get the best rate for your situation, through an easy, stress-free mortgage process.

Have questions? We're at your service.