Think outside the bank.
Your Smarter Mortgage
A great rate and better features do the thinking for you to save thousands of dollars more.
Easy Access
Straightforward details and documents and an online portal make it easier to manage your mortgage.
20% Prepayments
As a lump sum or tacked on to regular payments, pay 20% of the principal without penalty (yes, we're better than most banks).
Payment Frequency
Choose monthly or another payment schedule, or pay it off faster with accelerated options.
Portability
Take your rate and mortgage with you to your next home (government limitations and funding restrictions may apply).
Fee Transparency
No one likes hidden fees, including us. Made-up ones, like re-investment, wire, or admin fees, aren't found here.
Let’s Do It!
The Best Rates in Canada
We saw a need — and built THINK Financial as the answer. Canadians deserve a wiser choice to spend less. We started with mortgages because owning a home is a significant financial goal with a big budget commitment. You'll save now and later with our market-leading mortgage rates.
Get Wise to Hidden Bank Fees
Big Banks 'bank' on repeat business rather than competing hard on rates and products. Even if you think you have a good big-bank rate, your refinance penalty is likely calculated using a higher rate, or extra fees are built-in, meaning future changes can cost you more. We don't do that because we know it's not helpful.