Think outside the bank.

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.

Fee Transparency

No one likes hidden fees, including us. Made-up ones, like re-investment, wire, or admin fees, aren't found here.

Portability

Take your rate and mortgage with you to your next home (government and funding restrictions may apply).

Let’s Do It!

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Our Mortgages

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 harder on rates and products. Even if you think you have a good big-bank rate, higher prepayment rate calculations or extra fees may be built-in, meaning future changes can cost you more. Hidden charges aren't found here.