I really hope prospective home owners take the time to review who they entrust with one the most if…read morenot the most important decisions they make in their lifetime. I've been a home owner for nearly 30 years and have always trusted the big banks in looking out for my best interest. I'd like to set the record straight. Big Banks are motivated by their shareholders but that's not a bad thing. However, it can be if you are not careful and ask the right questions, hoping that your business means something to them. I truly mean it is incumbent upon you to do your research. I wised up really quick when I received a letter from the bank about what my next mortgage renewal would be when I simply asked the question about mortgage rates. They told me that they would give me a rate; however, if I were to recieve a better rate they would match it. Here I'm scratching my head and I'm thinking since I have a 25+ year relationship with the bank and also all of these investments, I must be getting a preferred rate. I was sadly disappointed because that was farther from the truth. I started asking questions and doing my own research which lead me to the great team at True North Mortage. Like many of you may think that Mortgage companies are not reliable nor helpful nor could they compete with the big banks. I will tell you first hand of my own experience with Robert Dang and Nidhita Achhapeliya at True North Mortgage. They didn't know me from a hole in the ground and yet they treated me as a top tier client. Both Robert and Nidhita worked so closely and tirelessly with me by informing me of all the necessary documents I needed. They explained every step of the way.....oh and what I didn't share with you was my mortgage was coming up for renewal January 1, 2026. After several calls to the bank they said someone will get back to me but never did. I am not sure about what the intentions of the Big Banks were but I decided to engaged Robert and Nidhita for their help at the eleventh hour. They could have just thrown a rate to me but they didn't. They educated me on what I needed to know and how to obtain the best interest rate. So, now you know this info, who has your best interest at hand? Again, Robert and Nidhita did not know me but were ready to help me get the best rate possible. Now, who do you think is looking out for my best interest? Hands down, I would say it is Robert and Nidhita as they tirelessly helped me find the best rate (beating out the big banks) considering the value of a mortgage and helping me get the best rate speaks volumes about their sincerity and working hard to earn my business. Robert and Nidhita walked me through the process and offered up information that would benefit me. So who do you think is working hard? On top of it all, my mortgage had to be completed during the Christmas break, New Years festivities, and while I was on vacation with my family. Robert and Nidhita literally held our hands through the entire process......all remotely. I didn't have to meet face to face nor have to give up my family time. Now that's worth its weight in gold. On top of that, we had some opportunities with technology and weren't able to provide signatures as planned. That didn't matter because Robert and Nidhita were able to come up with not only suggestions but real solutions to a crazy and hectic time for us. I recall getting emails and phone messages at extremely different time lines that a big bank provides. This brought it home for me as they are looking after my best interest and in my corner. In my mind, this is how it should be, someone who is not only tirelessly working on our behalf but also communicating with me every step of the way. I never had to wait or wonder what was happening with my mortgage application as they updated me every step of the way without having to ask. I am so completely pleased with how Robert and Nidhita helped me through this crazy economic timeline that I will be engagIng them again for my other 2 mortgages in the near future. If you haven't worked with Robert and Nidhita at True North Mortgage, you are most definitely leaving your hard earned money on the table instead of putting it to good use. Thank you so much Robert and Nidhita for your tireless effort and helping me look beyond my own bias that banks are the only game in town and are offering me the best value.

I had the great privilege of working with Robert Dang during my first home purchase, and he made…read morethe entire process as smooth and stress-free as possible. His customer service--both over the phone and through email--was truly 11/10. I always felt that my time was respected and my questions genuinely mattered. With his prompt responses, clear communication, and friendly demeanour, I couldn't have asked for a better experience. I'll be recommending True North Mortgage--and especially Robert--to anyone looking for mortgage services.

Amazing experience and a true professional to work with. Extremely detailed and responsive and also…read moreextremely knowledgeable with self-employed individuals. We got a great rate and being self-employed didn't cause any issues at all! He is also the only broker we felt comfortable working with (we were in contact with 3 or 4 different brokers and he was the only one to be super responsive and so much knowledgeable). Thanks again Joel!

Joel has been fantastic through two refinances and a lot of calls in between! He is always…read morereachable, and answers usually within the hour which is huge for us. I have nothing but good things to say about Joel, very happy with his service and with the lenders he has connected us with.

We cannot speak highly enough of the incredible service we received from Paul and Michael…read morethroughout the entire home buying process. We have worked with Paul on various mortgage renewals and approvals over the past 6 years. Buying a new home is extremely stressful but Paul and Michael were there for us from the start. From the moment we put in our offer, they were with us every step of the way, guiding us with expert advice, quick communication, and genuine care. One of the standout moments was their help in navigating our finance condition timeline, whether we had three or four days, they ensured we understood all our options clearly and felt confident moving forward. Every detail was handled with precision, and they made sure all our documents were reviewed, finalized, and signed well before the deadline. When we needed support they advocated with our lender on our behalf, and were able to get us the lowest rate on the market. Their attention to detail and proactive approach took so much stress off our shoulders. We would highly recommend Paul and his team, and we will absolutely work with them again in the future. Thank you from Laura & Jason.

Mortgages can be a frustrating thing to navigate…read more Paul and his team help make this process as smooth as possible. They got me the best possible rate both at the time of the initial mortgage, as well as the time of the refinancing. I was thankful to find them when getting my first mortgage, and will continue to use them for my future

I am extremely impressed with Jagdeep Dhugga at AKAL Mortgages. I was treated with dignity and…read moregiven clear and detailed information needed to make my choice of options regarding my refinancing. I am very grateful to Jagdeep Dhugga who kept me informed daily of my HELOC application progress. He kindly checked in with me, even after my application was approved. I highly recommend him for all of your mortgage needs!

Gogi Luthra at Akal Mortgages Inc. is an amazing Mortgage Agent. He helped us to get our mortgage…read morerenewed at the best market price. He is knowledgeable and well-experienced in his field. I greatly appreciate his professionalism, valuable advice, suggestions and recommendations. Having him as my mortgage agent gave me great peace of mind. I would recommend Gogi to any of my friends or family members.

I have had the pleasure of working with Vince for many years now. He has helped me with a few…read moretransactions/mortgages. He's a great guy, great personality and above all very honest! Most recently he helped my wife and I acquire a new mortgage in November of 2020. If you need a mortgage, Vince is the person you need to contact. His team is always there to answer questions and to work for you as the costumer, so that you get the best rate available. Thanks Vince for all your help brother!

Vince and his team at Dominion Lending are simply amazing. They are extremely professional,…read morepersonable, caring and insightful! In the last few years, I have worked with James on a few mortgage renewals. As a repeat customer, I can tell you, they truly take pride in taking care of their customers and prioritize your interests before theirs.

I went to Northwood Mortgage about 3 years ago and dealt with an agent named Allan. He was awesome…read moreand made the entire process smooth. There weren't that many steps, but the steps that I did have, they walked me through. My rate was better than all of my friends at the time, so I was very happy. However, the reason I'm writing the review is because of the service my brother got. Basically, when it was his time to buy a house, Northwood worked magic and got around the 9 month probationary period that the TTC imposes. It would have been a huge bummer if we couldn't get my brother a mortgage based on that technicality, but they got it done. I highly recommend Allan.

Extremely high rates but understandable as paying off a debt consolidation but the fees are very…read moreexpensive including a payout to the debt consultant and when paying out the 2nd mortgage 3 months early - huge fees much greater than the 3 month penalty. Then the 2nd mortgage proceeded to deposit the Oct. cheque after the home was sold and the 2nd mortgage paid out!!! Very disappointing and unprofessional - now I must stop payment going forward !

Manoj Gortha from TNM was absolutely fantastic. I was referred to him by my brother who had used…read moreManoj as a mortgage broker in 2021 and had a positive experience. Manoj was friendly, courteous, and professional. We had a 30 day closing date, which was not a lot of time, but Manoj assured us we can get everything submitted and close a deal in time. He worked diligently, sometimes in the late evenings and weekends. We had a lot of different accounts and assets which the bank understandably scrutinized due to new CRA rules. Manoj kept us well informed and explained every step and what type of documents were needed from each of us. He always fought on our behalf and worked for the best deal at a Big 5 bank. I am so appreciative of Manoj for working on this deal with a 30 day closing timeline. I would highly recommend him to anyone.

Manoj Gortha at True North Mortgage is amazing to work with. He helped me with my new home deal and…read morehe was most supportive and always available to guide me. Very professional and very easy to work with, I recommend True North Mortgage and thank Manoj Gortha for his support and help through my journey of buying my first home in Toronto.

I don't think I would've survived buying our first house if it wasn't for Armand and David from…read moreReal Mortgage Associates. From the very first contact, they made things as easy as it can possibly be. We were referred to Armand by one of my best friends, Ryan. Apparently they do "magic" with mortgages. Needing all the magic we can get, we went onto their website and filled out the pre-approval form. David called us the day after to ask for more sensitive information such as SIN and to verify credit. He was so easy to speak to and soothed my paranoia insisting that our application was pretty much a lock. He also asked us if we had a real estate agent already. We didn't though we had recommendations from our friends and family. Trying to make it as easy for ourselves, we decided to use the agent David recommended. Coincidentally, our REA's name was also David and also the Armand's brother. (Review on REA David to come.) Our pre-approval came a few days after we submitted it. We spoke to David the REA about our preferences. That Sunday, we looked at 9 houses. We found the house we wanted and we made an offer. REA David and Armand drafted up an offer in less than 2 hours and we were able to submit it that very night. Offer was finalized the next day, Monday. Armand and David was able to get our mortgage approved by Tuesday. When we came in to sign the mortgage papers, Armand discussed the mortgage terms with us. He got us a great rate with a good bank. He explained everything to us in great detail. When we asked him about a mortgage lawyer and a home inspector, he referred us to people him and REA David deals with all the time. Again, we wanted to make this as easy for us as possible. Armand, David and REA David coordinated everything for us. To be honest, all of the guys from RMA and also REA David made buying our first home as smooth as possible. They're available for our (my incessant) phone calls. They're proactive and also quickly reactive to our needs and to the deal. They treated us like we were buying a million dollar home even though we weren't. They were patient and very knowledgeable and shared their knowledge with us. I'm so pleased on how everything worked out and especially glad that we now have THE real estate experts we'll be working with as long as they'll have us.

I am very thankful for David's professional, responsive and honest assistance with the whole…read moremortgage process. David made himself available at all times via email or cell with any questions and concerns I had. His ability to structure solutions and find advantageous financing is what sets him apart from other brokers. I would refer him to anyone I know that was in need of financing. Thank you David Bourgeois for all your hard work.