Our Mission

At Pine, we've set out to support Canadians throughout their financial journey in homeownership, by upending the conventions of our industry to completely reimagine a better financial experience from beginning to end. Owning a home is a huge milestone.

We're here to help you own yours.

About us

After the realization that Canada’s typical mortgage process was in need of a revamp, co-founders Justin Herlick and Jonathan Shih combined their experiences to create a technologically-driven approach.

Founded in 2021, Pine has since worked to offer a digital-first, mortgage process to give every Canadian access anytime, anywhere.

Whether that's an intuitive digital application that remembers what you jotted down at 2 a.m., or one of our team members who will talk you through "here's your best fitting mortgage option, and here's why" in plain English, we are a mortgage disruptor, with a process that adapts to your needs, rather than ours.

The home buying journey isn’t always the most accessible—Pine is here to make it faster, easier, and simpler.

Own it today.

Justin Herlick and Jonathan Shih, founders of Pine.ca
Justin Herlick & Jonathan Shih

— why pine

We’ve made it incredibly easy for customers to apply and get approved for the mortgage they need.

Mortgage amount

No commissions

Get your mortgage through phone, text, email, or Zoom

Online mortgage application

100% digital

Simple, convenient and stress-free application process

Mortgage fulfillment question

Quick few questions

We’ll ask, you’ll answer and we’ll find you the best solution

Pine mortgage email

Get it ASAP

Receive your commitment letter in a couple days

Pine mortgage text message

We're here to help

Our mortgage advisors are here every step of the way

Checking mortgage rates on phone

<10 minutes

is how long it’ll take to complete our 100% digital application

48 hours

is the average turn around time from application to issued commitment letter

2/3 users

complete their entire application on a mobile device

$150M +

deals currently being processed

We are backed by

Possibly the best rate you can find in the market, and great agent who is professional and provides honest advise. Would recommend!

— Zihao J.

As a busy new Mom, it was so nice to do the whole application from my phone and on my own time. Not only that, but I felt supported by my advisor who was a text or call away when I had any questions. On top of that, Pine beat my brokers best rate and gave me $3,500 to put towards renovations of our new home.

— Rachel S.

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.

Great customer-comes-first service and competitive rates! I highly recommended to all my family and friends.

— Michelle M.