Scammed me and many others out of $450 via a promotion and extended the promotion period to…read morecollect more monthly chequing account fees. Very scummy and unethical. Stay away!

Stay away. Very shady from the beginning. From the application process to signing up for the Credit…read moreUnion, the whole experience has been abysmal. I signed up for a 450$ promotional offer on one of their accounts. The process online required me to go in-branch for verification. They tell me I should get my debit card "soon". Weeks past and no debit card. I call them and they then tell me I should have "asked" for one. I go in and another rep tells me that's incorrect and hands one to me - red flag #1. Get the debit card, create my account. Login to said account and there's an error that states "An unexpected error has occurred. If this is your first log-in after the recent online upgrade, please re-set your Memorized Accounts. This will be required only once." Yet, I see this error EVERY.SINGLE.TIME, DESPITE re-setting the memorized account. I reach out, it's fixed for awhile, and now it happens, intermittently- red flag #2. Stated the 450$ promotional offer was anticipated to go into accounts the "First week of April". The terms and conditions were changed to state that instead to "in April". Still, radio silence from them throughout with nothing in my account. I called, and the rep stated I qualified for the bonus and they'll reach out to me the end of April to follow up. It's now May. I called again, rep: "Duca is having problems with the promotional offer, we'll let you know when it's resolved". Others have stated they did not receive the bonus, even though they've met qualifications with reps being told by head office of a stipulation that wasn't, and still isn't as of the time of this review, stated in their qualifying terms and conditions - red flag #3. Lastly, they charge you a $4 fee if you have less than 1000$ in this account. However, some have been charged despite meeting this minimum requirement. I've filed a complaint with Duca, and will be following up with the ombudsman. In the mean time, I'd advise everyone to avoid this company as it's clear they don't hold their word, and - in my personal opinion - capable of deceptive/scam practices. Go anywhere else.

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!

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.

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 would highly recommend Jeff for your lending needs. He is personable, knowledgeable and responds…read moreto communication in a timely manner. He will work to get you the best possible outcome. It has been a pleasure dealing with Jeff.

From the owner: 'CLC Mortgage is one of the top Toronto mortgage brokers, Jeffrey Kioussis helps you purchase,…read morerenew or refinancing and debt consolidation. Contact today and meet in-person to discuss your needs and concerns and gives you access to the best mortgage rates offered by banks and lenders across Canada. I look forward to helping you achieve your financial and home ownership goals!'

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 found that Maurice did a wonderful job and was patient throughout the process, would definitely…read morerecommend!

My husband and I were so blessed to have Maurice helped us with our daughter's and her husband's…read moremortgage needs. Their case was so difficult being first time buyers and not having ideal funds on their plate, Maurice and our good friend, sister in Christ Linda S made it possible for them to own a home for the first time. Maurice cared. He gave his ALL and exhausted all his resources in his capacity, to help all of us. He helped so much including the emotional and the spiritual aspect of this first time home buying process and experience, which is scary and a huge lifetime commitment. The process we went through was tedious, complicated and almost impossible but he made it possible. We praise and thank God for sending Maurice our way. Way to go Maurice! Keep up the good work! God bless you for your good deeds!

We would like to thank Steve, Diane, Natasha and the rest of his staff for all the hard work…read morepreparing our mortgage. Our mortgage was complex, and was delayed over a year because of construction delays on the new home. This resulted in several mortgage approvals being done and Steve's office always pulled through when needed. Our new house is also 90 minutes North of the GTA and also because of being self-employed added even more challenges to obtain a mortgage. Thank-you again for all your help, we love the house and look forward to having Steve visit one day. Steve's office was always available if any questions came up, and never had to wait for a return call. We highly recommend Steve if you need a mortgage!! Thanks James/Daneen

From the owner: Mortgages for Any Situation!…read more The Mortgage Mechanic - Steven Biderman Mortgage Agent Lic. M10002004 DLC - The Mortgage Masters Group Mortgage Brokerage Lic. 12465 Mortgage Administration Lic. 12564