Our 3.49% 6-Mo Fixed is the lowest mortgage rate available in Canada.

Montréal Mortgage Experts

Want to save money on your mortgage? Of course you do.

Though our in-house lender, THINK Financial, you'll find your best rate, more flexible options, and service that puts you first.

Montreal TNM City Page

THINK about saving more on your mortgage.

True North Mortgage operates in Montréal as THINK Financial, our in-house, CMHC-approved mortgage lender. We do not offer brokerage services in Montreal, but we do offer exclusive access to THINK Financial's great rates and fully featured products.

Your True North Mortgage understands your mortgage needs in Montréal and can access THINK Financial's exclusive rates and products to help you save the most, now and later.

Flexible mortgage products and great rates are our standard:

  • Low fixed-rate 6-month and 1-year Rate Relief™ products
  • Industry-best fixed and variable rate mortgages from 6-month to 5-year terms
  • All mortgages come fully-featured with fewer fees, no made-up fees, and less costly pre-payment penalties than many big banks
  • The lowest open variable-rate mortgage in Canada (No Commitment™ Mortgage)
  • Easy to manage your mortgage online and make changes

Apply with THINK Financial today and see how we make your mortgage day!

We exist to offer you a smarter mortgage.

Our mortgage experts are highly trained and provide personalized service for a simple, stress-free process. Your THINK Financial mortgage is structured to offer more options and flexibility with fewer fees, such as:

  • Higher lump sums and payments allowed compared to some big banks
  • Portability (government and lender restrictions may apply)
  • Recast your payments after a lump sum
  • Free payment frequency changes
  • Lower payout penalties than some big banks

Apply with THINK Financial, or call your mortgage expert at the phone number above.


Montréal: Housing market

Montréal, a vibrant Canadian city steeped in history, is the 2nd most populous city in our nation, with over 1,700,000 area residents so far in 2023. Its housing is expected to continue cooling amid higher interest rates, resulting in more opportunities for prospective buyers looking for lower home prices in the area.

Your mortgage savings made easy.