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.

Dan offers a few things beyond what a typical mortgage broker can provide. I've gotten mortgages…read morefrom brokers and directly through banks and working with Dan was the most gainful--not only did I feel I got the best mortgage for my needs, but I learned a lot about the industry. Dan has a wealth of experience and knowledge about real estate and investment properties. He's able to provide insight to help you make better decisions. He's not afraid to share his knowledge and help you understand what you're getting into, so you can get an advantage. There are lots of little tricks that other mortgage brokers won't tell you about. He is resourceful. We hit a few snags with our application and house closing. Dan was able to offer help, beyond the mortgage application itself. Dan goes above and beyond. He makes himself available to you when you have questions and makes sure you understand the process. Next time I'm looking for a broker, I wouldn't think to go with anyone else.

The best mortgage broker in Toronto! My brother recommended Dan so I figured I would give him a…read moreshot. I have used quite a few brokers in the past and have never gotten such an amazing rate. Highly recommend him!

If it was possible I would give this mortgage company zero stars. Mortgage Superhero? The only…read moresuper power there, is lying to clients, especially Kim Gibbons. One of her existing clients who did two of his previous mortgages with Kim asked her for a letter of intent for a mortgage pre-approval in order for him to purchase a pre-construction property in 2024 for his son and she agreed. Instead of helping him she lied to him for six weeks blaming her staff, banks, the stress test, etc. She never worked on the letter nor had the courtesy to tell him she wasn't going to do it anymore and even past the due date with the builder and finally just never returned his calls or messages. I sold that client that unit and he almost lost his chance to invest in this new condo project in Toronto because Kim doesn't get paid to work on a mortgage commitment letter today for 2024. It's not in her best interest right now, but it is for my client who under my advice, luckily got another, responsible mortgage broker to help him in time. This client has good credit and purchasing power and Kim made him feel like he didn't matter and had to beg and plead for that letter. This is beyond unprofessional and as a Realtor I would never refer any clients to this mortgage company. Be careful who you give your business to because a mortgage broker that doesn't care will hinder your chance at investing in real estate and we all deserve to!

I would highly recommend Kim Gibbons for anyone who is looking for a mortgage broker that can get…read moreyou the best rates that are a right for you. Kim goes above and beyond to find out about your current and future life plans and makes suggestions on fixed, short term, etc. mortgages and then finds the best rate that works. Having worked with another broker in the past, I now know the difference what an educated mortgage broker makes - it's money in your bank account! Thank you Kim - I look forward to using your services again at renewal time.

I recently had the pleasure of working with Paul and his team to secure a mortgage for my first…read morehouse. As a first time homebuyer, I was initially nervous / intimidated by the whole process, and having Paul to chat with was a tremendous help. Paul is very energetic and motivated, and worked with me every step of the way to make sure we were on track and would be able to get where we wanted to go. He is super knowledgable and I honestly learned so much just chatting with him. His attention to detail and professionalism is commendatory. He is diligent and worked tirelessly to negotiate the best mortgage for our situation, and was always ready to answer questions, and talk through scenarios. I would definitely recommend Paul and his team for your mortgage, and I hope I get to work with them again soon!

Paul has been really helpful with the whole process of buying our first home from start to finish…read more His knowledge, expertise and friendliness really won us over. I can't recommend him enough!! He is truly the best!!!!

[Update in response to business reply:] I want to clarify…read morethat I never asked Ben to lie or misrepresent anything (I have text correspondence to prove it). I simply requested discretion when presenting the lease application--something I later confirmed with another licensed real estate agent is entirely standard and ethical in this industry. Ben's reply avoids the core issue, which is that he disclosed private information against my clear instructions and responded with hostility and abusive language when I addressed it. Notably, in his response, he does not deny using the language I described--something that should give any prospective client, especially women, serious pause before deciding to work with him. Now that I've seen how he chooses to handle client concerns, it's clear he was never acting in my best interest. In hindsight, I'm relieved I never purchased a property through him--because the financial and emotional consequences would have been far greater. ------------------------------------------------- [Review update:] I had previously written a positive review for Ben Fenlon based on an experience in 2022, but I now feel obligated to update it after a recent encounter that was deeply unprofessional and unacceptable. When I attempted to lease a unit, Ben disregarded my clear instructions and disclosed private information to the listing agent without my consent--jeopardizing the deal and violating my trust. When I addressed this, he became aggressive and disrespectful. He raised his voice, used vulgar language, and told me that if I was going to "act bitchy," then the lease "wasn't worth his time" because the commission "wasn't high enough." I had asked Ben to follow a common and fully ethical approach, and to exercise discretion when presenting the application. I expected him, as my agent, to handle the process strategically and professionally, without disclosing unnecessary personal information that could weaken my position. Instead, he ignored my instructions, dismissed my concerns, and treated me with outright disrespect when I raised them. His conduct was not only unprofessional, but also at odds with the duty of care, loyalty, and discretion expected of a registered real estate professional under RECO's Code of Ethics. I can no longer recommend Ben's services under any circumstances.

Ben is a very knowledgeable and professional realtor who was a pleasure to work with throughout the…read moreprocess. He took the time to understand our needs, provided thoughtful advice, and was always responsive to our questions. His experience and attention to detail made the entire process smooth and stress-free. I highly recommend Ben to anyone looking for a reliable and trustworthy realtor.

I have been working with mortgage brokers and banks for almost 30 years, and I have to say our…read moreexperience with Karen Mann was the best! With me being retired, looking to renewal our mortgage, and looking at investment opportunities, our situation was a complicated one. I investigated a few brokers and banks to not only complete what we were looking to accomplish, but to do it with the best rates and outcome for us. None of them came close to what Karen was offering. Karen was an absolute professional, and her 'A' personality is exactly what we needed to accomplish our financial goals. She never pressured anything, and it always felt as though she always had 'our interest' as her priority. It was a breath of fresh air to work with someone that is so focused on the client's needs. I highly recommend Karen Mann!

I have in one way or another tried out the main mortgage brokers in the market as well as dealt…read moredirectly with the banks. monster mortgage and namely Ryan Celic were able to help me beyond any other and my expectation. I highly recommend them!

5 star service + 5 star speed + 5 star team = Lowest possible rate. What's more can I say? All 5…read morestars ratings here are accurate. A quick google search will show you all the good reviews he had. The biggest mistake I've made? Not bringing my case to him earlier. Good luck to you if you try go with any other brokers/banks. After all that nightmares with HSBC and dealing with an inexperienced broker that over-promised/under-delivered, we sent our application to Paul based on a friends referral. We didn't know what to expect given how poorly we were treated by other lenders. The turnaround time was tight for Paul as we were preparing for a bidding war that's happening in only a few days. We needed a pre-approval like a month ago. Paul was super quick in response and we were able to put together most of the documents through email in the first day. Result came out within a day or two with very competitive rates and we felt ready for the bidding war with his approval.

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.

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.

This was my first time working with a Mortgage Broker and I'm so glad I did rather than directly…read moredealing with one of the big 5 Banks. I dealt with the President of intelliMortgage's wife Melanie McLister. Melanie was patient and provided invaluable advice around what type of mortgage best suited my needs and guided me to a reputable lender that could offer me a fully featured mortgage. I highly recommend this company and especially Melanie and her assistant, Leslie! 5 stars :)

From the owner: intelliMortgage helps savvy independent consumers choose their own mortgage and save. We cut out…read morecommissioned salespeople and use those commissions to "buy down" interest rates for our customers. intelliMortgage is the only mortgage broker in Canada that lets homeowners compare mortgage features from every mainstream lender, including lenders who don't pay brokers. It's all topped off with matchless service, a simple documents process, and our Great Rate Guarantee.