Mortgages that make sense

Buying, refinancing, or renewing: get your lowest mortgage rate today. Own it with Pine.

Family looking happy in front of their new home with mortgage through

The reviews are in

“I switched my mortgage from RBC to Pine due to better rates. The entire process was very smooth. Dana helped me a lot with all the questions. It was a very good experience!”

Andre Rocha,

Pine customer since September 2023

“My experience with Pine and Lauren in particular has been exceptional. The switching process was very easy and seamless.”

Ankur Anand,

Pine customer since July 2023

“I switched my mortgage over to Pine in May, and got 1.2 % off on my previous rate, with them covering the cost. Malcolm was super great and responded, and everything was really smooth.”

Jonathan Harris,

Pine customer since May 2022

Lower rates without the hassle?

You won’t find any hidden fees or bait-and-switches here—just clear-cut information in a way that makes sense. With no in-person appointments necessary; you can apply, check your status, and get approved entirely online.

Relax, we’ve got it covered.

Your dedicated Pine agent works behind the scenes to get you access to best-in-class mortgage products at realistic rates that you can afford. Apply now, and receive your personal quote—free.

How Pine offers the lowest 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.

Apply from home, work, or even on the go.

Knowledge is power

The mortgage process doesn’t have to be confusing: we know you’ve got questions, we’ll get you the answers.

Feature article
Industry News

The Canadian spring housing market, according to CMHC

The predictions are in: The Canada Mortgage and Housing Corporation says home prices will hit rock bottom this year, but won't go below pre-pandemic levels.

Find the right mortgage, for your budget and you.

house with keys. Mortgage payment calculator

Mortgage payment calculator

Use this tool to help calculate your monthly mortage payments.

Small piggybank on top of stacks of cash. Mortgage affordability calculator

Affordability calculator

Use this tool to estimate how much mortgage you can afford

House being refinanced for more equity calculator

Refinance calculator

Want a lower interest rate or to tap into your equity? Refinancing might be for you

Question? We've got answers.

What’s involved in getting a mortgage from Pine?

Does Pine charge any lender fees?

Can I take advantage of the Home Buyer’s Plan with Pine?

Will I have a point of contact at Pine?

Is my data secure with Pine?

How much of a down payment does Pine require?

Can Pine help me if I have poor credit?