Mortgage Shopping.
Simplified.

 No fees. Unbeatable rates. Renowned for service 

BEST RATES IN CANADA — GUARANTEED.

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

MORE POINTS. MORE REWARDS.

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

SAME MORTGAGE PRODUCTS. SIMPLY BETTER RATES.

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

 

DID YOU KNOW

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

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 […]
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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 […]
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 1

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?
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 2

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

Home Financing and Credit – How Does One Affect the Other?

  • Posted by hbfs
  • On September 14, 2017
Home financing and credit history are closely linked. Whether you’re looking to purchase your dream home or to renovate your current one, you need to be aware of how your present debts and credit history will affect the amount you’ll be able to borrow.
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 2

Variable versus Fixed Mortgage Rates

  • Posted by hbfs
  • On June 14, 2017
As house-hunting season shifts into high gear, you need to consider many factors before making an offer. One of the most important is determining what type of financing you’re going to apply for — a variable or a fixed mortgage rate.
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Pay Your Mortgage Off Faster

  • Posted by hbfs
  • On April 19, 2017
Your mortgage is likely one of the biggest monthly expenses your household has. Most people spend an average of 25 years paying off their mortgage, but prepayment privileges can help you pay it off much faster and save you money simultaneously.
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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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