- Leading mortgage experts and rate strategists in Canada: Get personalized mortgage information and the best rates, regardless of credit or income – no hard credit check, no obligation.
- Over 17 years of industry experience with 1900+ mortgages personally approved: Get a fast 1 day approval, increase your approval limit, or lower your payment and mortgage rate. We’ve helped all types of financial situations.
- Certified Financial Planner (CFP®) and Accounting credential: Advanced financial experience and creative solutions for complex debt consolidations, self employed income, tax deductible mortgage strategies, and non-standard financial situations.
- We’re determined to lower your mortgage rate and make your approval a breeze: Apply today for more options and better results.
| Mortgage Term | Best Rate |
|---|---|
| 5 Year Fixed | 3.69% |
| 3 Year Fixed | 3.59% |
| 5 Year Variable | 3.40% |
Discover Our Unique Approach to Mortgage Financing
Optimize your mortgage, grow your wealth
We provide options to position the mortgage side of your balance sheet to help grow your assets more efficiently and effectively
- Options to structure your mortgage payment for higher cash flow, investment optionality and income tax efficiency.
- Options to reduce financial risk, while diversifying for higher growth.
- Achieve retirement goals by balancing investing and mortgage freedom.
- Gain financial clarity and peace of mind.
About Altrua Financial
Leading independent Mortgage Brokers in Ontario, educating clients across Canada
We understand that no one ‘loves mortgages’;
We’re here to help lower your mortgage cost (you have better things to do with your money!) and reduce financial risk, so you can sleep well at night. While mortgages themselves may not be as much fun, many of our clients enjoy the education, savings, and confidence that come with the right decision.
This is what we love about our job.
Our client journey typically begins on our website or social media, where we provide mortgage education and information to homeowners (or future homeowners) in Ontario and across Canada.
From here, we invite you to discuss your needs with us in a complementary meeting. We’re a team of highly experienced Mortgage Brokers, led by Brent Richardson, CFP, Principal Mortgage Broker, and author of the publications on this site. We’re laser-focused on your goals and provide creative options custom-tailored to you.
If you like what you hear in your complimentary meeting, we will approve the mortgage option and work quickly to ensure a smooth closing for an experience you’ll look back on and feel good about.
After closing, we continue to work with our clients long-term. The war of paying off your mortgage isn’t won in a single battle; it is won through a consistent, long term approach to savings. We offer long term advice and options for your mortgage to achieve this.
But dont just take our word for it. Check out what some of our clients have to say just below.
What clients are saying
Hundreds of 5 star review online with an average rating of 4.9
Just an incredible mortgage experience. Brent was incredibly informative and was always willing to answer any questions we had (and we had lots!). What most impressed me was that for our renewal we were trying to balance about three different potential scenarios for down the road. Brent took the time to understand them all and made good recommendations that set us up well for the future.
This second time around with a mortgage I’ve really come to know that the lowest rate isn’t the only important thing. Having a partner who you can talk to and genuinely cares and understands is just as important. This was Brent. And the bonus is that he still got us the lowest rate compared to about a dozen other places I’d been in contact with.”
– Ben C.
“Brent is knowledgeable and committed to providing the best service and rates possible. His responsiveness is AAA+. I highly recommend him for your mortgage needs.”
– Virginia H.
“By far the best rates, commitment and knowledge. For your biggest investment it is crucial to go with the best and speaking from having experience with other brokerages i can say without a doubt that Altrua is far superior. Everything was explained to us, absolutely no surprises and the most knowledgeable by far. Service and dedication to us as customers was second to none! Thank you for making an often stressful purchase smooth and comfortable.”
– Adrianna G.
“A painless and pleasant time renewing our mortgage through Brent and Altrua. Will definitely use them again in the future.”
– Norm C.
“I worked with Brent and his team to secure a large mortgage at a great rate. Owning my own business made finding a mortgage at a regular bank very difficult. Even though I had good credit they weren’t really interested in helping me. Brent took me through the whole process, got us a great rate, and now my wife and I have a great new house!”
– Fergus L.
“Altrua not only offered the most competitive rate but spent the time to ensure I chose the right solution to meet my long term goals.”
– Tim C.
“It was great dealing with Brent to take care of my mortgage needs. He explained all of our options in great detail and made sure that the package that we selected truly fit our needs. Will definitely recommend Atrua to my friends and family.”
– Rene F