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!!!!

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.

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.

Getting financing arranged can be challenging for self employed people even though your income may…read morebe great. I recently contacted Mortgage Associates Ontario and got great results. I needed a second mortgage to pay off some high interest debt and Jasper helped me find a credit union with very low interest rate, much lower than I was expecting from a second mortgage; I understand that generally interest rates for second mortgages are higher than regular mortgages. The lawyer Jasper recommended was also great - all the paperwork was prepared in advance and the document signing was done in matter of minutes and I received the funds the following day. I would highly recommend Jasper and Mortgage Associates Ontario if you're looking for creative financing solution.

I would not recommend you do business with Mortgage Associates, very un professional. Took six…read moreweeks to get a mortgage from them, was told tomorrow every day for 5 weeks. Jasper is the worst Agent I have ever worked with. He does not follow up with you unless you ask first. By far the worst experience I have ever had with a mortgage broker. Fail, Fail, Fail

Steve helped my husband and I get a second mortgage to fix some debts then helped show us how to…read moreget set up with putting everything into a new mortgage. He spent months working with us and showed us the smarter way to restructure debt, not just the quickest or easiest. His guidance saved us thousands in fees with our bank. He always quickly responded to texts and is really funny and open, not like most mortgage/bank people. Lots of love, Sherri!

Great working with Steve. Walked us through all the steps and had great communication skills that…read moremade up feel very comfortable with the process. Not always easy when you live in another province! He is that good.

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!

Absolutely incredible experience from Diane and Jordan. Helped me and checked in throughout my…read moreentire first time home buying process, and secured me a great mortgage rate. Very quick and open communications. Would highly recommend.

My family and I enjoyed working with Nick. He was great at communicating and laying out all our…read moreoptions. He was a huge advocate for us during a very stressful period where we needed to sell our condo and lock in our mortgage for our new townhome. I highly recommend working with him and Monster Mortgage!

Highly professional, knowledgeable, and efficient. Made the mortgage process smooth and…read morestress-free. Fully reccommend!

I recently closed my property with TD through clear trust- Alex and doesn't recommend anyone using…read morehis services for any mortgage needs. pros: he will run numbers for you for your various properties.. this is only positive. Cons: (1) got me highest rate (5.14% for 5 years) in May this year that too he initially mentioned I was approved for 4.89% so I didn't shop around for better rates.. later when I actually making application after a month he said it is 5.14% not 4.89%.. argued he don't remember... clearly trust issues. (2) If I make prepayment I had to pay based on 6.34% interest rate, this was never discussed.. found out before closing.. when I approached Alex he said "what do you want me to do now? There will be 100 rules against your mortgage and that is not my responsibility to tell you " - really pathetic response.. (3) he intentionally put $50 utilities bill in my mortgage application which lowered my affordability .. actually my condo fees covers all utilities. Since I'm a FTHB, I was exploited and I feel my bad myself. Don't go with Alex/clear rust and suffer like me that is the only motto for writing this review.