First-Time BuyerMORTGAGESOLUTIONS
Ontario's Premier Lending Expert
Call or Text
519-212-1513
Licensed Agent
FSRA #M23007520
Pre-Approval, Approval, Refinance or Switch
We negotiate with these lenders so that you don't have to
Negotiating with 50+ lenders on your behalf
A Quick Word From Michael
Take a moment to learn about how I can help you navigate the mortgage process with confidence. Whether you're buying your first home, refinancing, or investing in property, I'm here to guide you every step of the way.
Michael North
Mortgage Agent, Level 1
Meet Michael North
Watch the introduction video
As Featured In
Michael North and Owl Mortgage have been featured in leading financial publications
The Difference
Why Choose Owl Mortgage?
OwlMortgage
Working with Michael North
- 50+ Banks and Private Lenders
- Responsive Online Application
- Dedicated Personal Service
- We shop the market for you
- Turn-Key Mortgage Solutions
- No-Fee Options Available
Going Direct to a Bank
The traditional approach
- Fewer Options
- Advertise rates that aren't available
- Limited private mortgage experience
- Hard-Money Options Limited
- Hidden Fees
- One-size-fits-all approach
Mortgage Solutions For Every Situation
From first-time buyers to seasoned investors, we provide tailored financing solutions across Ontario.
The Owl Mortgage Advantage
55+ Banks & Private Lenders
Access to Canada's largest network of mortgage lenders — from big banks to specialized private lenders for any situation.
24-Hour Approvals
Responsive online application with fast turnaround. Get your approval quickly so you can make competitive offers.
Evening & Weekend Service
Dedicated personal service when it works for you. Evenings, weekends — I'm here when the banks aren't.
Today's Rate Environment
Rates updated daily from the Bank of Canada — here's what it means for your mortgage.
Policy Overnight Rate
Prime Rate
0.00%
Overnight + 2.20%
Bank Rate
0.00%
Overnight + 0.25%
Auto-updated daily from bankofcanada.ca
What Our Clients Say
“Michael made our first home purchase so much easier than we expected. He found us a great rate and guided us through every step of the process.”
“After being turned down by my bank, Michael found me a great private mortgage option. Professional, responsive, and truly cares about his clients.”
“Refinancing with Michael was seamless. He was always available to answer our questions and made the whole process stress-free. Highly recommend!”
Proudly Serving All of Ontario
As a licensed Ontario mortgage agent, I provide personalized mortgage solutions to clients throughout the entire province. Wherever you are in Ontario, I can help.
Province-Wide Service
Whether you're in a major city or a smaller community, I offer the same dedicated, personalized service to all my Ontario clients. Remote consultations available for your convenience.
Get Started TodayReady to Secure Your Dream Home?
Take the first step toward your mortgage goals. Get a free, no-obligation consultation with Michael North today.