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Your mortgage, simplified.

Join thousands of home owners who trust Pine.

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Clients can save up to

$35,100

over 5-year term with Pine

Start your application

How is Pine different?

1
Start your application
Apply online in minutes and get your personalized rate without every leaving home. (Getting pre-approved can even lock in your best rate in advance.)
2
Get one-on-one support
A dedicated Pine agent will help you understand your options and guide you along every step of the way.
3
Close with confidence
Leave the logistics to us, so you can keep peace of mind through your whole home buying process.

Get pre-approved

Our Products

Explore Pine's suite of home financing products and discover which one is right for you, your family, and your lifestyle. Pine has something to fit every need.

Our rates

Fixed Mortgage Rate

The rate of your mortgage remains fixed for the term, regardless of changes in the market.

4.59%

5 Year Fixed

Get this Rate

Variable Mortgage Rate

Your monthly mortgage payments can go up or down based on the Bank of Canada’s prime interest rate.

3.65%

5 Year Variable

Get this Rate

3-year

Purchase

Getting into your new home should be exciting, not complicated. We provide clear guidance and support through our digital homebuying process, making it easier to understand your options and secure the funds you need.

Begin purchase

Fixed*

4.64%

4-year

Fixed*

4.59%

5-year

Fixed*

4.59%

5-year

Adjustable*

3.65%

*The mortgage rates as of Sep 26, 2026 are for reference only and not a guarantee. Rates displayed are for insured mortgages. Rates can change without notice and depend on many factors. Mortgage approval is contingent on underwriting approval. Additional fees and costs may apply, and not all applicants will qualify for the advertised or lowest rate.

Your Questions, Answered:

We’re here to simplify your journey, so you can feel confident every step of the way.

Have a question we didn’t answer?

Call 1-855-424-7317 from 9am to 5pm EST Monday to Friday or email us at hello@pine.ca. Our mortgage expert team is happy to help!

Ready to simplify your mortgage journey?

Your mortgage, simplified.

How is Pine different?

Start your application

Get one-on-one support

Close with confidence

Our Products

Our rates

Fixed Mortgage Rate

Variable Mortgage Rate

3-year

Purchase

4-year

5-year

5-year

Your Questions, Answered:

Have a question we didn’t answer?

What is Pine and what services do you offer?

How is Pine different from traditional banks or brokerages?

Is Pine licensed and regulated in Canada?

Are there any fees or hidden costs with Pine?

How do I apply for a mortgage with Pine?

Is my personal and financial information safe with Pine?

Are Pine’s promotions stackable?