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

The best mortgage rates in Canada.

Who wants to save thousands? Or have a more flexible mortgage solution? Our guess is you.

Get your BEST rate and better mortgage fit thanks to our exceptional 5-star service. Watch your savings add up and your stress ease down.

Rate Relief 3 Rates

The lowest mortgage rates around.

Canadians (like you) are looking for relief from today’s volatile rates.

Our short-term Rate Relief™ products can offer you budget room with up to a year of lower payments to cope with extras, like closing costs and home expenses. You’ll be able to lock into a great rate and flexible mortgage for your next term.

Learn more about Rate Relief

Don't fit the mortgage mold? We can help.

Big banks aren't big on flexibility. We are. Our highly trained brokers have access to so many lenders and products to help simplify your (mortgage) life.

For a straightforward mortgage application or a complex one — we take all your details into consideration because we can.

What is a complex mortgage?

It's time for a cash-happy mortgage.

What makes your piggy bank smile? Your best mortgage rate to help you save lots of money. And what makes you, our client, smile? Getting the right mortgage solution to go with it.

Our volume discount gives you better rates on identical mortgages or premium products, even from your own bank. And our expert brokers provide flexible options to save money, time and stress.

Talk to us — it's a no-brainer. Your piggy bank will thank you.

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Unbiased, expert advice. Completely free.

Mortgages can be stressful. Our crazy-good experts make it easy. Whether you apply online or stop by, you get a real person who cares about getting your best mortgage.

We're unified, highly trained and salaried for unbiased advice. And there's no cost or obligation while we deal with the lenders and details for you. It's a relationship for a lifetime of mortgage help — anywhere you are in Canada.

Have a ton of questions? We're ready for that (it goes hand-in-hand with saving you a pile of cash).

Andia Naghooni

Online, in-store & over the phone

We're here for you. Get the right advice for the largest financial decision of your life.

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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, big banks charge higher rates and fees, and online-only startups can't begin to match our savings service. We're still here, making light work of your mortgage.

Try our famous mortgage calculators!

Trusted in Canada with the most 5-Star Reviews in the Industry.

Better mortgages are all we do, and providing you with unbeatable service is our top priority. Let our (apparently very happy) clients do the talking — check out what people are saying about us.

Read Reviews

Kelly is the best in the business. This is my second time dealing with her as she got me my initial mortgage and then helped me with my first renewal. She is so professional, knowledgeable and her customer service is second to none. Going with True North was the best financial decision I ever made.

– Shelly from PEI, September 2023

What an unbelievable company to work with. Jacky and his team were completely transparent and detail oriented with everything. They get things done lightning quick and are on top of it every step of the way. Absolutely a top notch company.

– Matin from BC, January 2024

Amazing experience! Maria is an absolute gem. She made the process that more easy and smooth. Always available for any questions or concerns. Would highly recommend using True North Mortgage.

– Michelle from AB, February 2024

Ashish Verma at TNM was just awesome. He dealt all of our queries with extreme attention and patience. He was very responsive throughout the whole process and provided us with the best interest rate for our mortgage. His nature for going above and beyond will be remembered and shared to everyone around me.

– Chintu from SK, December 2023

Their exceptional service, combined with a friendly and approachable demeanour, made what could have been a daunting process remarkably stress-free. If you're in need of a dedicated and knowledgeable mortgage broker, look no further – Pawandeep is the one to trust. 5 stars without a doubt!

– Kashif from ON, February 2024

We’ve helped Canadians arrange over $20B billion 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