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Find all the information you need to explore neighbourhoods and compare homes with confidence.
Get startedFixed
The rate of your mortgage remains fixed for the term, regardless of changes in the market.
Adjustable
Your monthly mortgage payments can go up or down based on the Bank of Canada’s prime interest rate
Knowledge is power
Explore and learn more about everything from mortgage rates and touring homes in person, to getting your home ready for sale and closing the sale.
How Pine offers the lowest mortgage rates
We work directly with our customers and skip the middlemen
We are a direct lender, eliminating extra fees and middlemen. That means we have more flexibility to offer you lower rates.
Powered by Pine
We developed our own software to automate many administrative tasks for our advisors and underwriters. This efficiency saves us money, and we pass those savings on to you.
Commission-Free Advisors
Unlike traditional mortgage companies, our advisors are salaried, not commission-based. This approach reduces costs, allowing us to offer you even lower rates.
The reviews are in
Andre Rocha,
Pine customer since September 2023
Ankur Anand,
Pine customer since July 2023
Jonathan Harris,
Pine customer since May 2022
Question? We've got answers.
What’s involved in getting a mortgage from Pine?
Pine wants to make the mortgage process simple.
We are here from start to finish to ensure a smooth, efficient, and delightful experience. Pine has created a simple, easy-to-understand online application, and, with just a few clicks, our experts can start working on getting you approved. Pre-approvals are faster than at the traditional banks (usually within 24hrs), so you can get onto the fun part—shopping for your new home!
With Pine by your side, you need not worry about having to complete any more bank applications. We are your trusted experts, and, if you have any questions, give us a call, and we are here to help.
Does Pine charge any lender fees?
Can I take advantage of the Home Buyer’s Plan with Pine?
Is my data secure with Pine?
The security of your data is paramount. We’ve implemented the highest standards in cyber and physical security, over and above the industry protocols. For more information, please refer to our Privacy Policy.