Finally a mortgage on your terms.

Home financing that's simpler, faster, and from the comfort of your own home. At Pine, we make it happen.

Apply online
Fee-free
Simple process

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 advisor 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.

You’ve got nothing to lose, except higher rates.

— Pine is the better way

Just a few clicks could save you thousands.

Apply online

You bank online, why not purchase your mortgage online? Apply the way you want, either online, or by phone.

Stress less

Buying your home comes with enough worries; your mortgage process shouldn’t be one of them. We aim to keep it simple.

Live fee-free

Fees just to apply? No thanks.
With Pine, there’s never fees to submit your application and receive your quote.

Move fast

The housing market waits for no one - shouldn’t your financing be just as quick?

Phone a friend

We've made it easy to complete the entire mortgage process online. Of course, if you prefer a good old phone call, we can do that too.

Trust in us

Just like you, we're excited to help you find your dream home. Rest easy knowing we'll get you the best financing to make it happen.

Apply from home, work, or your local pizza joint.

Questions? 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 advisors 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 advisors, and, if you have any questions, give us a call, and we are here to help.

Does Pine charge any lender fees?

Nope. Pine does not charge any fees(origination fees, application fees, processing fees, underwriting fees).

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

You bet! Pine accepts first-time buyers under the Home Buyers Plan. One of our advisors would be more than happy to discuss this in greater detail.

Will I have a point of contact at Pine?

You betcha! As soon as the application is started, a loan advisor will contact you. You can also contact our team  anytime throughout the process.

We’re available by phone, email, and chat Monday - Friday from 9AM - 5PM EST. (Holiday hours might differ).

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.

How much of a down payment does Pine require?

A minimum downpayment of 5% is required. Mortgages with less than a 20% down payment need to have mortgage loan insurance provided by either CMHC, Sagen, or Canada Guaranty.

Can Pine help me if I have poor credit?

Credit is a big part in the underwriting process. As a result, Pine has created different mortgage programs for those with bruised credit. Fill out the application, and we would be happy to see what we can do for you.