Think outside the bank.
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!
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.