Altruism (al-tru-ism): is the belief and practice for the well being of others. This reflects Altrua Financial’s approach to mortgage service starting with highly experienced, expert mortgage advice, and then by following through with your true lowest rate, the first time you ask.
Our Best Rates
| 5 Year Fixed | [5_yr_fixed] |
| 5 Year Variable | [5_yr_variable] |
| 3 Year Special | [2_yr_fixed] |
- Altrua Commercial Main
- Mortgage Solutions
- Resources and Insights
- Learning Centre
Community Involvement
Save more on your mortgage while improving our community in meaningful ways. Read our story.
- Opportunity overview
- FREE investment course
- How we reduce risk
- Rental property portfolio consulting
About Altrua
We ask not what we can get from the world, but how can we best give. Learn more about Altrua.
Featured Articles
Variable vs Fixed Mortgage Canada: Ultimate Guide in 2026
Variable or fixed mortgage in 2026? Which is right for you? Page last updated: January 12, 2026 The variable vs fixed mortgage rate decision is one of the biggest decisions a borrower will [...]
Mortgage Default Insurance Canada: How to Pay Less
Also referred to as a ‘CMHC fee’, a 'high ratio' or an insured mortgage, mortgage default insurance is required for any purchase with less than 20% down payment. With this in mind, this [...]
Mortgage Renewal Process and Tips for Your Best Rate in 2023
The difference that negotiating your mortgage renewal rate in Canada can make is stunning. Given an example of a $500,000 mortgage and a 25 year repayment period, a 0.50% lower mortgage rate over [...]
Mortgage Down Payment in Canada: What You Need to Know in 2025
Understanding the ins and outs of a mortgage down payment in Canada is one of the keys to a smooth and successful home purchase. Here we will look at the most important things that [...]
Ontario Mortgage Specialists Proudly Serving
Over 12 years as Mortgage Brokers in Kitchener – Waterloo, Cambridge, Hamilton, Ottawa, London, Mississauga and GTA.
Altrua Financial are mortgage brokers founded and headquartered in Kitchener Waterloo, Ontario. Starting out as mortgage brokers Kitchener and Waterloo mortgage brokers provided an excellent base for us to expand our office presence into other local markets across Ontario. We apply the same regional focus as we did in our beginnings as a smaller Kitchener mortgage broker, to every area we serve. We study the market data carefully, know the neighborhoods well and have excellent local contacts in all the areas we proudly serve. Our physical mortgage broker office locations and internet service allow for the right combination for your confidence in who you are working with, attention to local economy, and your best long term mortgage result.