Hand putting coin into piggybank shaped like a home. Saving up for home purchase

Own it
with Pine

When you get a mortgage with Pine you’ll get a helpful advisor who isn’t incentivized by commission, and the best rate upfront, no need to negotiate.

Apply now
5–year fixed
4.34%
5–year adjustable
4.75%

Save thousands of dollars with Pine

How it works

Person on park bench checking their phone for lowest mortgage rates

Apply online

Click ‘Get started’ in the top right corner to open the application. Apply online  in under 10 minutes and kickstart your home financing journey.

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Submit documents

Upload your ID and supporting documents to help us determine what you can afford via our safe and secure customer portal.

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Get approved

Get ready to turn your dreams into reality. Our expert mortgage advisors will walk you through the best options for your unique financing needs.

Parent and child entering their new home

Closing

You’ve officially made it to the last stage of the mortgage process. Here is where all of the final documents are signed and the funds are released.

The customer service I received at Pine mortgage was first-rate! I was guided at every step so that nothing felt too complicated. I’m really happy with what I received and for all the support.

Luwam T.

Tips on purchasing a home

01

Determine your budget

Before you start looking at homes, figure out how much you can afford to spend on a mortgage payment each month. Use online mortgage calculators to help you get an idea of what you can afford.

02

Check your credit score

Your credit score plays a crucial role in determining your mortgage interest rate. Make sure your credit score is as high as possible before applying for a mortgage.

03

Consider your debt-to-income ratios

Lenders will consider your debt-to-income ratio when deciding whether to approve your refinancing application. Make sure you have a low debt-to-income ratio to improve your chances of approval.

04

Understand the different types
of refinancing

In Canada, there are two main types of refinancing: rate-and-term and cash-out. Understand the pros and cons of each before choosing which one to go with.

05

Don’t over leverage

Refinancing can provide access to home equity, but don't over-leverage your home by borrowing more than you can afford to repay. Make sure you have a solid plan for repaying the loan before refinancing.

Question? We've got answers.

What’s involved in getting a mortgage from Pine?

Does Pine charge any lender fees?‍

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How much of a down payment does Pine require?