Think outside the bank.

Your Smarter Mortgage

A great rate and better features do the thinking for you to save thousands of dollars more.

Easy Access

Straightforward details and documents and an online portal make it easier to manage your mortgage.

20% Prepayments

As a lump sum or tacked on to regular payments, pay 20% of the principal without penalty (yes, we're better than most banks).

Payment Frequency

Choose monthly or another payment schedule, or pay it off faster with accelerated options.

Fee Transparency

No one likes hidden fees, including us. Made-up ones, like re-investment, wire, or admin fees, aren't found here.

Portability

Take your rate and mortgage with you to your next home (government and funding restrictions may apply).

Let’s Do It!

Apply Now
Our Mortgages

The Best Rates in Canada

We saw a need — and built THINK Financial as the answer. Canadians deserve a wiser choice to spend less. We started with mortgages because owning a home is a significant financial goal with a big budget commitment. You'll save now and later with our market-leading mortgage rates.

Get Wise to Hidden Bank Fees

Big Banks 'bank' on repeat business rather than competing harder on rates and products. Even if you think you have a good big-bank rate, higher prepayment rate calculations or extra fees may be built-in, meaning future changes can cost you more. We don't use hidden charges here.

What Savvy Savers Are Saying

Smart Kid 3

Delphine N

Edmonton, AB

What a smooth process!! I am glad I was able to transfer my mortgage to THINK Financial. Excellent interest rate. I love the online portal to manage mortgage payments. Very user friendly.

Smart Kid 2

William F

Ottawa, ON

Great and easy company to deal with. Thank you so much for making our purchase so easy 😊

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Jules R

Toronto, ON

THINK & True North gave us a rate more than 1% lower than our local credit union. I would definitely recommend them.

Smart Kid 3

Florence L

Calgary, AB

Everything was done as said, no hidden fees or any issues. The process of application and approval was smooth. I am thankful that I got the mortgage switched to Think Financial with an affordable rate.

Smart Kid 2

Prince S

Calgary, AB

I highly recommend THINK Financial Mortgage Company to anyone in the market for a new home loan. Their customer service was top-notch, and they were always available to answer any questions I had and provide guidance.

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Cecilia L

Toronto, ON

You can tell they value their customers, and offer the best rates. PLUS super easy to use online platform. There is truly no reason not to go with THINK Financial/True North.

Smart Kid 2

Frank V

Hamilton, ON

We are very pleased with the process of obtaining a mortgage through True North (THINK Financial). We are now the proud owners of our dream home! Thank you!!

Smart Kid 3

Delphine N

Edmonton, AB

What a smooth process!! I am glad I was able to transfer my mortgage to THINK Financial. Excellent interest rate. I love the online portal to manage mortgage payments. Very user friendly.

Smart Kid 2

William F

Ottawa, ON

Great and easy company to deal with. Thank you so much for making our purchase so easy 😊

Profile Image

Jules R

Toronto, ON

THINK & True North gave us a rate more than 1% lower than our local credit union. I would definitely recommend them.

Smart Kid 3

Florence L

Calgary, AB

Everything was done as said, no hidden fees or any issues. The process of application and approval was smooth. I am thankful that I got the mortgage switched to Think Financial with an affordable rate.

Smart Kid 2

Prince S

Calgary, AB

I highly recommend THINK Financial Mortgage Company to anyone in the market for a new home loan. Their customer service was top-notch, and they were always available to answer any questions I had and provide guidance.

Profile Image

Cecilia L

Toronto, ON

You can tell they value their customers, and offer the best rates. PLUS super easy to use online platform. There is truly no reason not to go with THINK Financial/True North.

Smart Kid 2

Frank V

Hamilton, ON

We are very pleased with the process of obtaining a mortgage through True North (THINK Financial). We are now the proud owners of our dream home! Thank you!!

Smart Kid 3

Delphine N

Edmonton, AB

What a smooth process!! I am glad I was able to transfer my mortgage to THINK Financial. Excellent interest rate. I love the online portal to manage mortgage payments. Very user friendly.

Smart Kid 2

William F

Ottawa, ON

Great and easy company to deal with. Thank you so much for making our purchase so easy 😊

Profile Image

Jules R

Toronto, ON

THINK & True North gave us a rate more than 1% lower than our local credit union. I would definitely recommend them.

Smart Kid 3

Florence L

Calgary, AB

Everything was done as said, no hidden fees or any issues. The process of application and approval was smooth. I am thankful that I got the mortgage switched to Think Financial with an affordable rate.

Smart Kid 2

Prince S

Calgary, AB

I highly recommend THINK Financial Mortgage Company to anyone in the market for a new home loan. Their customer service was top-notch, and they were always available to answer any questions I had and provide guidance.

Profile Image

Cecilia L

Toronto, ON

You can tell they value their customers, and offer the best rates. PLUS super easy to use online platform. There is truly no reason not to go with THINK Financial/True North.

Smart Kid 2

Frank V

Hamilton, ON

We are very pleased with the process of obtaining a mortgage through True North (THINK Financial). We are now the proud owners of our dream home! Thank you!!