Mortgage Shopping.

 No fees. Unbeatable rates. Renowned for service 


True North Mortgage is able to offer the lowest rates because we pass on our volume discount to our customers. We have established working relationships with over 30 accredited lenders and have helped Canadians arrange over $7 billion in mortgages — allowing us to offer rates that are better than banks.

We’re so confident in our rates that we back each one with our Lowest Rate Guarantee. If you find a lower mortgage rate within seven days, we’ll give you a $500 Hudson’s Bay gift card.¹


In addition to getting the lowest guaranteed mortgage rate — as a Hudson’s Bay Rewards member — you can also earn points. When you purchase a mortgage, you’re eligible to earn up to 35,000 Hudson’s Bay Rewards points and you can also earn 5,000  points by simply completing a pre-approval or regular approval application.²


True North offers competitive mortgage rates without sacrificing quality. We offer the same products as other lenders,  just at lower rates. When you work with one of our highly-trained mortgage specialists you can look forward to the following benefits:

• Canadian based customer service

• Free mortgage consultations and home appraisals valued at $300

• Trained, non-commission mortgage specialists

Honesty, purpose and efficiency are at the core of everything we do and we always go the extra mile to earn your trust and save your thousands of dollars.

Get Your Mortgage Rate in just Minutes

Mortgage Points Earned² Hudson’s Bay Gift Card Value
Upon approval of a mortgage application to lock in your rate 5,000 Points $25
For every $10,000 of mortgage funded 35,000 Points² $175
Provide us your current mortgage renewal date  1,000 Points  N/A



That once you’re at the end of your mortgage term, you’re free of penalties and can move your mortgage to another provider?

We’re here to provide you with relevant information and help you make educated decisions about your mortgage needs.

Our latest articles on Mortgages

Is Fall the Best Time to Buy a House?

  • Posted by hbfs
  • On September 12, 2018
House hunting can be stressful, and it seems that everyone has a different opinion when it comes to the best time to buy. Some say the spring is best, while others have found their dream home in the winter. As we start the fall season, there’s a lot of arguments to be made for buying […]
Read More

Three Things to Consider Before Building a Home Addition

  • Posted by hbfs
  • On July 25, 2018
A home addition can provide much-needed space for your family to grow. The increased square footage can be used for another bedroom or bathroom, to create a space for your kids to play or to expand areas for entertaining. However, before you start to build, it’s important to consider where the addition is going to […]
Read More

True North Mortgage Rates Are Lower than Bank Rates

  • Posted by hbfs
  • On June 6, 2018
Buying a home is expensive. Real estate prices in many parts of the country are climbing, and it’s important to save money where you can. True North Mortgage rates are lower than what the banks are offering — giving you the opportunity to afford your dream home.
Read More

Looking to Buy or Sell Your Home? Spring Is the Best Time!

  • Posted by hbfs
  • On March 22, 2018
If you’re looking to buy or sell your home, spring is one of the best times to enter the market because it’s a popular season for housing activity. For home buyers, this means more options as more houses are on the market. And for sellers, spring’s longer days give homes more opportunity to shine, attracting […]
Read More

Mortgage Questions: New Stress Test Guidelines

  • Posted by hbfs
  • On February 8, 2018
The New Year can bring plenty of changes. For many Canadians, 2018 is the year to buy a home. If you’re currently in the market for a house, however, you’ll have to deal with updated rules for uninsured mortgages. Buying a home can be a stressful and confusing experience, and potential homeowners are facing even […]
Read More

How Much Do I Need for a Down Payment?

  • Posted by hbfs
  • On January 25, 2018
First-time home buyers are full of questions. There are so many things to consider, and so many things they don’t even know they have to consider. One of the most important questions buyers have to answer before they set foot in their first open house is: How much is enough for a down payment?
Read More

Advantages of Working with a Mortgage Broker

  • Posted by hbfs
  • On October 12, 2017
If you’re looking to buy your first home or to renew a current mortgage, you likely know that it can be confusing to navigate the world of interest rates and lenders. When you work with a mortgage broker, however, you have the advantage of using their relationships with different lenders to secure the best interest […]
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1 Terms and conditions apply.
2Earn a one-time 5,000 Hudson’s Bay Rewards points when you complete either a pre-approval or regular approval application to lock in your rate; and 35,000 points when you fund a mortgage valued at $350,000 at a rate of 1,000 points for every $10,000 of a funded mortgage.
3Subject to approved credit. Mortgage brokering services are provided, and mortgages are arranged for, by True North Mortgage, Broker License #11896.

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