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



Making the decision to sell your home and buy and move into another is a big commitment. Not only is it a financial investment, but it can also quickly become overwhelming to manage everything — that’s why it’s important to assemble the right team. Read reviews and ask questions before you decide on an agent who works for you.

Our latest articles on Mortgages

Checklist to Sell Your Home

  • Posted by hbfs
  • On March 20, 2019
As the snow melts and the temperature rises, it’s the perfect time to prepare to put your house on the market. By following the checklist below, you’ll be in a good position to sell your home as soon as the first flowers bloom.
Read More

Hire the Right Team When Buying and Selling a Home

  • Posted by hbfs
  • On January 30, 2019
Making the decision to sell your home and buy and move into another is a big commitment. Not only is it a financial investment, but it can also quickly become overwhelming to manage everything — that’s why it’s important to assemble the right team.
Read More

Obtaining a Mortgage while Self-Employed

  • Posted by hbfs
  • On November 14, 2018
Many Canadians have successful small businesses and love the lifestyle it affords; however, some aren’t aware it can be difficult to secure a mortgage when self-employed. Mortgage lenders usually require small business owners to provide a comprehensive accounting record and have exceptional credit history before granting a mortgage.
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Pay Off Your Mortgage Faster with Prepayments

  • Posted by hbfs
  • On October 24, 2018
A prepayment is extra money that goes toward the principal of a mortgage, which can reduce the time it takes to pay off that mortgage. To bring down the total principal, homeowners can either increase the amount of their regular payment or make a lump-sum payment at some point throughout the year. While many homeowners […]
Read More

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.
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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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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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