True North Mortgage Reviews 

4,963
•
TrustScore 4.5 out of 5

4.7

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Review summary

Created with AI, based on recent reviews

Evaluating 105 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the knowledgeable staff and highly responsive customer service, noting that dedicated agents successfully secure competitive rates while keeping the entire mortgage process entirely smooth and stress-free. People deeply appreciate the clear communication and timely updates provided by professionals throughout every single stage of their financial transactions. However, some customers also noted frustrating delays, communication issues, and sluggish responses regarding their mortgage closings and required document reviews. A few reviewers experienced unhelpful support and a disappointing lack of proper follow-through from specific agents during critical renewal periods.

What people talk about most

Staff

Clients share positive opinions on staff, frequently highlighting their outstanding professionalism,... See more

Service

Customers consistently note positive experiences with service, frequently praising advisors for being... See more

Customer service

Consumers find customer service to be positive, frequently praising knowledgeable and responsive... See more

Response time

Reviewers mention positive feedback about response time, consistently highlighting prompt communication and... See more

Price

Customers had positive experiences with price, frequently highlighting great rates that beat other financial... See more

Reviews shaping this summary

Rated 5 out of 5 stars

We highly recommend Madhur (Maddy) Tyagi from True North Mortgage. From start to finish, he was extremely knowledgeable, responsive, and transparent. Maddy secured us the lowest rate available and pat... See more

Company replied

Rated 5 out of 5 stars

Dana Piché of True North Mortgage is literally the Mortgage whisperer . She not only held our hands throughout the whole process but was able to deal with TD respectfully and considerately( they on... See more

Company replied

Rated 5 out of 5 stars

Traditional banks kept telling me my credit rating was too bad, that I couldn't qualify to remortgage the home I am in, even though I have an existing mortgage. TD wouldn't budge on helping me with th... See more

Company replied

Rated 5 out of 5 stars

We had an excellent experience with Manthan patel from True North Mortgage. He was professional, responsive, and truly went above and beyond to find us the best rate. Manthan made the process smooth a... See more

Company replied


Company details

  1. Mortgage Broker

Written by the company

True North Mortgage is one of Canada's leading mortgage brokers. We're the best of bank and broker. We have locations so that you know where we are. We're connected with all banks, not just one. And we pass along our volume discount to get your mortgage rates even lower. Apply online or visit one of our locations!


Contact info

4.7

Excellent

TrustScore 4.5 out of 5

5K reviews

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Asks customers to review

This company invites their customers to review, whether positive or negative

Replied to 100% of negative reviews

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4.7

All reviews

(4,963)

95 reviews in the last 12 months

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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more
michael-lantheir

Rated 5 out of 5 stars

Michael Capobianco

Michael Capobianco, You have my deepest gratitude & utmost respect from the bottom of my heart.I appreciate who you are & all you did, more than you’ll ever know.You made impossible possible!My story:I was searching for mortgage options online, .... communicating with many different brokers, .... but no, ... I was not even heard before they were advising me & giving me options that were not relevant to my needs.Then, ... out of nowhere, ... I got connected with him (Michael Capobianco) over the phone, ... he listens, ... He Listens Patiently & Attentively! ... & He Hears You, ... he asks questions that are relevant to your case & fundamental for finding the best solution,... He prompts Aha moments ... & he finds answers & key leads, ... he creates, ... I mean creates options that do not exist on the books, .... he juggles different scenarios, & situations, & creates opportunities which are out of ordinary, & He Stays with You when you are taking every single step of the journey to the last moment of Victory! he (Mike Capobianco) was there for me & wouldn't give up, even when I was giving up, ... he was actively there Working Hard & Smart to actualize my dream, my goal, or I must say beyond my goal, in my case!!!! It is not just a job for him but sharing a journey with you, ....reaching a goal that you never knew you could reach that far, .... Mike, your genuine care, your vast knowledge, your wisdom, your vision, your tenacity, & your calm, & assuring demeanor, are exceptional, ... truly rare..... You have the knowledge of a lawyer in addition to the knowledge of your field & a heart of gold!Again Mike, You have my deepest gratitude & utmost respect.True North Mortgage is lucky to have you in their team.

December 13, 2023
Unprompted review
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Reply from True North Mortgage

Hi Shahla,
That is what we like to hear! At TNM, agents like Mike truly make us stand out from other brokerages! Our high level of service and lowest rates prove that we are the best of bank and broker! We can't wait to work with you in the future!
Thank you, TNM Team

Rated 5 out of 5 stars

This was my first experience using True…

This was my first experience using True North Mortgage, and not my last. A colleague referred us to Michael L., whom is knowledgeable and went above and beyond to get us the best rate available. I will certainly refer friends and family to him and true north mortgage.

April 6, 2023
Unprompted review
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Reply from True North Mortgage

Hi Cynthia,

Thank you for sharing. We're glad that Michael L was able to provide you with excellent customer service along with making sure you were comfortable with your choices. Hope to work with you again in the future if the opportunity ever arises!

Thank you, TNM Team

Rated 5 out of 5 stars

Excellent Experience Again

This is our second time working with Peter at TNM and it was just as excellent as the first. He took us through our options and provided a great deal of information on each option. He really went above and beyond being available to help secure the best mortgage for us and informing us of what was needed and when. No surprises and an incredibly excellent experience once again. Thanks - Michael W.

December 16, 2021
Unprompted review
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Reply from True North Mortgage

Hi Michael,

So happy you reached out! We're thrilled to know Peter secured you a great rate. We truly appreciate hearing from our clients! We love it when we hear time and time again that the experience with us was stress free. We work hard to ensure a seamless experience for our team and clients. Thank you so much again and welcome to our TNM family!

Warmest,
TNM Team

Rated 5 out of 5 stars

I want to thank Rajan Mehta for all the…

I want to thank Rajan Mehta for all the excellent help he gave us in moving our house mortgage over to Scotiabank. He provided an invaluable service to us and helped us immensely. Thank you Rajan, cheers to you and yours. Michael & Gisèle Kashul

July 23, 2021
Unprompted review
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Reply from True North Mortgage

Hi Michael & Gisèle Kashul,

Thank you for your kind words! We're so glad to hear that Rajan was able to help you with your mortgage needs and ensured you were more than happy with our services. He always goes above and beyond to ensure his clients leave happy.

Warm regards,
TNM Team

Rated 5 out of 5 stars

Excellent experience

Excellent experience. Efficient. Hassle Free and flexible customer centric approach. I highly recommend True North Mortgage and Michael Capobianco specifically.

January 12, 2021
Unprompted review
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Reply from True North Mortgage

Hi Rebecca,

We're glad to hear! We hope to work with you again in the future. Thank you for choosing us for your mortgage needs.

Best,
TNM Team

Rated 5 out of 5 stars

Great service and Great Rates!

Michael Capobianco provided great service! He got me a great rate and then got me an even better rate!
Based on my experience, I would highly recommend consulting with Mike before you decide where to get or renew your mortgage.

August 4, 2020
Unprompted review
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Reply from True North Mortgage

Hi Paul,

Transparency is key, and we are so happy to hear that Michael was able to get you the best rates! Thank you for your business and support, and for leaving a review! We hope to work with you again soon.

Best,
TNM Team

Rated 5 out of 5 stars

Michael Lanthier from True North was…

Michael Lanthier from True North was awesome

Mortgage for my first home purchase was made seamless by Michael Lanthier from True North Mortgage. The paper work was simple and the I got the best rate possible. I received quotes from other firms as well, but was not happy with the rates offered and their approach towards customer experience. But Michael from TNM was going above and beyond in terms of helping and coaching me in assessing the market trends and helping me get the lowest rate. Despite me locking in a rate well ahead of closing date, when the interest rate dropped further, Michael helped me getting a rate lower than what was committed to me, which was great.

Michael - You Rock !! It was really great working with you. Looking forward to working with you again.

July 5, 2019
Unprompted review
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Reply from True North Mortgage

Hi Rajkumar,

Thank you for your kind words! We are extremely happy to hear that Michael was there to make this first home purchase so seamless for you. It's music to our ears! He will be so happy to read this. Saving Canadians time and money is what our company loves to do. Thank you for your support and business. Welcome to our TNM Family!

Warmest regards,
TNM Team

Rated 5 out of 5 stars

My friend referred Michael from True…

My friend referred Michael from True North and our experience with him and the brokerage has been excellent. Michael is knowledgeable, prompt in replying, and really cared about getting us the best deal.

July 3, 2019
Unprompted review
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Reply from True North Mortgage

Hi Robert,

Thank you for sharing your experience with Michael. We are so happy that you had a wonderful time working with him. We agree, he is all of the above. He will be so happy to read your kind words. We appreciate your business.

Best,
TNM Team

Rated 5 out of 5 stars

I was referred to True North Mortgage…

I was referred to True North Mortgage by my boss. I called Michael Lanthier directly. Michael is an amazing person. True North Mortgage is lucky to have such an amazing person like Michael. He is very professional, very responsive, and very knowledgeable. He basically held my hand and showed me what I have to do in every single step. I got an amazing rate that is way better than any bank. The process was simple and straight forward. And best of all, they did not rush me and they did not push me to do anything I don't want to. I can't recommend and thank them enough. I will be referring them to anyone I know.

Thank you Michael for all your help and support.

July 2, 2019
Unprompted review
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Reply from True North Mortgage

Hi Loai,

Thank you for your kind words! We definitely agree with you, Michael is an amazing person and a wonderful agent. We are THRILLED to hear that he was there every step of the way and that he was able to get you an unbeatable rate! We appreciate your business and look forward to helping yo with any of your future mortgage needs.

Warmest,
TNM Team

Rated 5 out of 5 stars

TNM - King St

Went to the King St location in downtown Toronto. Had a great experience and got an amazing rate. Michael was proactive in getting all of the lenders questions resolved making sure we had all the necessary paperwork. It was smooth and straightforward.

June 28, 2019
Unprompted review
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Reply from True North Mortgage

Hi Christopher,

We're more than thrilled to hear that your search for savings landed you with us! Thank you for taking a moment to share your experience with Michael. He will be happy to read your review. Thank you for your business. We look forward to helping you with nay of your future mortgage needs!

Best,
TNM Team

Rated 5 out of 5 stars

Michael Lanthier was a pleasure to deal…

Michael Lanthier was a pleasure to deal with, always willing to help and answer any questions.
As well got me the best rate I could find anywhere!!

April 25, 2019
Unprompted review
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Reply from True North Mortgage

Hello Allan,

We are thrilled to hear that you landed big savings with us!! Thank you for taking the time to share your experience and thank you for your business!

Warmest,
TNM Team

Rated 5 out of 5 stars

Highly Recommended Agent/Company

Have shopped around and talked to a couple of Agents but when I had the chance to deal with Michael Lanthier, Immediately got genuine and honest advise which made me comfortable and eventually made my decision to switch. Michael was very patient and professional providing me with Comparisons and Tables on the available options I have in the market, as a client these data is exactly what you need to to make sure you are making the right choices. True North waives all the incidental charges so basically you will pay NOTHING when you go with them. Stellar Service, You won't be disappointed.

April 5, 2019
Unprompted review
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Reply from True North Mortgage

Hi Wilf,

Thank you for taking the time to share your experience with Michael! We are truly happy that you had such a great experience with him. Our agents have a passion for what they do and it truly shows in our testimonials and reviews. We're thrilled that Michael was there to guide you through and provide you with information for all your options. We love helping Canadians everyday and welcome you to our True North Family Wilf!

Warm Regards,
TNM Team

Rated 5 out of 5 stars

Michael Capobianco at True North Mortgage

We recently bought our first home and our mortgage agent was Michael Capobianco. He was professional and knowledgeable. He found us the best rate and was also very responsive to all our questions and concerns. Our home closing was within 19 days of when we first contacted him and he got everything done within that time. He always responded promptly to calls and emails and made sure we were informed. The whole process went very smoothly.

I would like to thank Michael Capobianco and True North Mortgage for all their help in getting the loan for my new home purchase. I will definitely recommend your services to anyone looking for a mortgage.

November 6, 2018
Unprompted review
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Reply from True North Mortgage

Hi Imran,

Thank you for taking the time to share your experience with Michael C. We agree, Michael is very professional, efficient and an incredible guy. We’ve worked hard to ensure a smooth process so thank you for nothing that the process was “very smooth”. We appreciate your business and look forward to being your mortgage provider for future needs.

Warmest,
TNM Team

Rated 5 out of 5 stars

First time homebuyers

As first time homebuyers, we had no idea what we were doing. We are the first home buyers in our families, so we had no one to give us advice or steer us in a certain direction. Using reviews on Google, we found True North Mortgage and called to ask questions as well as set up an appointment. Michael Capobianco, the mortgage agent, was very accommodating in terms of setting up an appointment. At the appointment he was very approachable and professional, answering all of our questions (some several times, as this was a whole new language to us). We felt at ease with Mike. Using a computer program, he mapped out numbers we should expect and gave us tips on how to get the best rate possible. Everything was transparent, so it was no surprise that we stuck with Mike and got a mortgage on our first house with him!

Thank you so much Mike, for your hard work and professionalism!

May 25, 2018
Unprompted review
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Reply from True North Mortgage

Hi Anna,
We're so thrilled and honoured to have been a big part of your first home buying experience. We have THE best clients and love the Google reviews our clients write about us. We're happy that led you to Michael. Michael is the consummate professional and nice guy. Thank you again for your kind words and business.
Warmest,
TNM Team

Rated 5 out of 5 stars

Thank you to Michael Capobianco for all his help

Michael Capobianco at True North is very knowledgeable and customer-oriented. We've worked with him for several mortgages and each time the process went smoothly. He is very patient and is always willing to explain the details of the mortgage and associated paperwork.

We would highly recommend him and True North to friends and family.

May 5, 2018
Unprompted review
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Reply from True North Mortgage

Hi Peter and Vanessa,
Thank you for your terrific review. We very much appreciate you continuing to choose TNM for your mortgage needs. Michael is easily one of our best agents. He's a great guy and works hard to get the best for our clients. He'll be happy to read your kind words. Thank you again!
Warmest,
Your TNM Family

Rated 5 out of 5 stars

I had an excellent experience switching…

I had an excellent experience switching my mortgage to True North. Michael Capobianco took care of everything and was quick to answer my questions. Also I did shop around and the rates offered were very competitive.

Kevin

March 13, 2018
Unprompted review
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Reply from True North Mortgage

Hi Kevin,

Thank you for taking the time to share your experience. Michael Capobianco is a great agent and he will be happy to read your kind words.
Warmest,
TNM Team

Rated 5 out of 5 stars

Mortgage

I have recently dealt with Michael Capobianco on closing a mortgage. Mike was very professional and explained all the details in a very thorough manner. He was quick to reply to emails and find out answers if he didn't have them. I was hesitant to move from a large bank to a mortgage broker, but Mike put me at ease and I am delighted with the result.

January 31, 2018
Unprompted review
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Reply from True North Mortgage

Hi Albert,

Thank you for your awesome review! We're so happy Mike was so helpful and that he put any doubts you had at ease. We're the best of both worlds, bank and broker in one!

All the best,
Your TNM Family

Rated 5 out of 5 stars

Michael Lanthier 5 Stars

I dealt with Michael Lanthier and he was fantastic. I cannot put into words how much of a life saver he was and how patient he was with my thousands of questions. I was struggling with another broker and wasn’t getting anywhere when I decided to look elsewhere. I ended up reaching out to Michael and had fantastic results. I have now purchased a condo with a mortgage through Scotiabank. I didn’t think that it would’ve been possible.

This is 5/5 star service!!

November 14, 2017
Unprompted review
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Reply from True North Mortgage

Hello!

Many thanks for your rating and review. We're so happy to hear our Michael L. helped you. We pride ourselves on offering great service (fast too ;) ) and great rates. Welcome to the TNM Family! #truenorthmortgage
Warmest,
TNM Team

Rated 5 out of 5 stars

I worked with Michael Lanthier at True …

I worked with Michael Lanthier at True North and he was great. Answered all my questions patiently and promptly got back to me when I needed something. The rates at True North were impossible to beat but even better than that was their customer service. I have been and will continue to recommend them to my friends and family. I rarely write these reviews but when a company does well they deserve to be recognized for it.

April 12, 2017
Unprompted review
Rated 5 out of 5 stars

I have only good words to say about …

I have only good words to say about True North Mortgage. They are very knowledgeable and helpful. Would definitely recommend your company to my friends.
A special thanks to Michael Lanthier for untangling some of the issues that came up during the mortgage approval process.
Grazyna

April 12, 2017
Unprompted review

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