Sasha and Ron talked me through my options and provided me with better rates to take back to my own…read morelender, who lowered their offer. I re-signed with my current lender at a better rate, and they didn't make a penny from their work, but were happy to help me out. That says a lot.

They were just interested in getting you as a client. Didn't act as a broker in your interest as…read moreto look entirely at your papers and assuring that you are covered in face of some hidden "fine prints". Just have you sign and if something goes south it's on you. Total disinterest. Greed only.

This has been my primary banking institution for over 40 years, the last 10 remotely from Deep…read moreRiver Ontario and Saskatoon SK. Great people in a great institution. Minimal banking fees and above average interest rates. Highly recommend.

Parama is the best kept secret in banking in Toronto!!…read more Why would you continue banking with one of the big banks when you can get all this from Parama for free, on a clear conscience? It's a small, community based credit union, and of course you have a say in how it's run. And also you get returned a share of the profits! In 2013, they returned something like $250,000 to their members. I originally signed up to this bank because I saw a sign that said they offer free chequing while passing by on the Bloor night bus. I think one of the reasons that this place is a secret is because the hundreds of thousands of people passing underneath it every day don't see this sign. Here are some of the things you get for free that you don't get anywhere else: -Free certified cheques and Money Orders (!) -Free regular cheques -Free pretty much everything else! -Teller service, if you want it -Free use of The Exchange ATMs across the country; you probably have one around the corner and you don't even know it yet... -Only $2 to use Mastercard ATMs in any other country in the world - that's cheaper than they advertise! Potential barriers: -Both branches are in Etobicoke along the Bloor subway line. I live in Vancouver now, though, and that hasn't really stopped me from enjoying their services. -You have to buy a $40 share to join. But you would get the money back if you wanted to leave.

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.

Just called for an appointment to discuss our mortgage possibilities and was rudely told by the…read moreowner that she doesn't meet with people without an application. Oh well. Her loss of well qualified clients. She probably should ask a few questions before spitting that out. Perhaps customer service is not her strength. Update: this lady called me back after a few minutes and we had an appointment yesterday. The staff was friendly and Rakhi was very helpful and full of information that helped us.

I highly recommend taking the time to meet with Rakhi. My wife and I had been to banks in the past…read moreand really didn't have a comfortable or confident feeling after meeting with any of the in-house staff at banks (TD, NBC, Tandia). (FYI - many banks train their staff on the front line in these positions and give incentives to their employees on all the products - meaning many are still fresh and learning - while helping you with one of your biggest life decisions) We took a half hour to sit down with Rakhi before we bought our first home and it was the best 30 minutes we could have invested in our future. Rakhi explained everything to us in layman's terms - helped us understand why getting the lowest rate may not always be the best option and how to avoid large penalties if you decide to move early. We've since sold our first home and bought another one with Rakhi. I've also referred my father to Rakhi (which he also used her services). Whenever I hear my friends mention they are going to a big bank to get their mortgage I have to laugh (and it's always followed up with me giving out Rakhi's info). After all - if I didn't at the very least share Rakhi's info I'd be doing my friends and loved ones a BIG disservice. Rakhi is going to get you a mortgage through one of the banks - it's just that she's in your corner and actually wants to ensure you're happy with the product and is actually available at pretty much any hour to text/call. Rakhi allowed us to feel confident about buying and making the right decision for our family of four. If you want to buy a home - at least spend some time talking to her to find out if you're a good fit to work together. Cheers! Dr. Matt Bradbury

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 !

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.