You find the home, we’ll help them land it.

Partner with Pine and give your clients the home buying experience they want, need, and deserve.

Partner with Pine

At Pine, we believe Canadians want and deserve better–and we know you do too. That’s why we’re here to deliver and now is the time.

The home buying process is stressful. But when you work with Pine, you’re working with a digital-first team that wants to make it the smoothest experience for any and every Canadian.

From the moment they start their mortgage pre-approval to when they finally get their keys, we’ll work with you to keep it fast and simple to help your clients land their dream home. And, like your clients, you’ll also have a reason to celebrate thanks to our Pine Realtor Referral Program

How the program works

Pine’s Realtor Referral Program rewards registered realtors by paying a referral fee based on a closed mortgage. No payment will be made if the mortgage that is referred does not close.

Referral fees are determined as follows:

Referral fee paid to the realtor upon the referred borrower closing a mortgage:
$1000*
$750*
$500*
Mortgage principal (total amount borrowed) by referred borrower:
Greater than $500,000
$350,000–$499,999
$150,000–$349,999
*If there is a case where two sources refer a borrower to Pine, only the first source will be paid after the closing of the mortgage. See terms and conditions.

Knowledge is everything

We carefully crafted and curated these tools and resources for you to share with your clients to help them on their home buying journey.

Mortgage calculators:

Use our calculators to get an estimate on your price range that fits your budget, along with mortgage details.

Mortgage payment calculator

Use this tool to help calculate your monthly mortgage payments.

Get started

Affordability calculator

Use this tool to help estimate how much mortgage you can afford.

Get started

Knowledge is everything

Articles & blogs

We know how challenging and overwhelming the process can be—but we’re here to change that. Browse our articles to learn more or connect with one of our advisors to help handle it.

Can you change jobs before your mortgage closes?

The short answer is possibly.

What are debt ratios—and how to calculate yours

It takes a little bit of math.

Understanding your property tax

And what that means for your finances.

Questions? We’ve got answers.

How will I receive my referral payment?

The payment will be made in the form of a prepaid Visa or by other means as determined by Pine and will be noted as a "Simple Referral".

How many referrals can I submit?

There is no limit to how many referrals you can submit. However, you will only get paid if the mortgage that is referred does close.

When can I expect my referral payment?

Currently, you can expect your referral payment 15 to 30 days after closing.

What happens if two sources refer the same borrower?

If two or more realtors refer the same borrower, the source that submitted the referral first—based on receipt of the email and submissions form—will receive the referral payment.

Terms and Conditions:

The payment will be made in the form of a prepaid Visa or by other means as determined by Pine and be noted as a "Simple Referral" as defined by FSCO and the Government of Ontario in Reg. 407/07. Payments will be made no sooner than 30 days after closing.

Pine’s Realtor Referral Program rewards registered Realtors by paying a referral fee based on a closed mortgage. No payment will be made if the mortgage that is referred does not close.Referral partners are responsible for ensuring that its employees, contracts and agents are in compliance with these terms as well as the Pine’s Terms of Use and Privacy Policy on our website. The terms are subject to change at any time, and this program may be changed or discontinued at any point in time without notice. If you use the referral program after changes have been made, you are doing so in agreement with any new terms and any modifications to the terms. This program is only offered in Ontario.

Borrower Disclosure:

As the realtor, you must make your client aware that you are part of the program and that you will be paid a referral fee as part of the program. You are held by FSCO and the government of Ontario to follow the laws and rules as laid out by Reg. 407/07: EXEMPTIONS FROM THE REQUIREMENTS TO BE LICENSED (view regulation). The Real Estate professional must also comply with all standard tax laws as well as the Real Estate and Business Brokers Act, 2002, S.O. 2002, c. 30, Sched. C (view act).

When providing information to a prospective borrower:

1. A person or entity who refers a prospective borrower to a prospective mortgage lender is exempted under subsection 6 (4) of the Act from the requirement in section 2 of the Act to have a brokerage licence or a mortgage broker’s or agent’s licence if the person or entity complies with both of the following requirements and criteria.
  1. Before or at the time of making the referral, the person or entity informs the prospective borrower in writing,
    a. that the person or entity has received or will or may receive a fee or other remuneration, whether directly or indirectly, for making the referral, and
    b. of the nature of the relationship between the person or entity and the prospective lender.
  2. The only other information that the person or entity is permitted to give to the prospective borrower is the name, address, telephone number, fax number, email address or website address of the prospective lender or of an individual who acts on behalf of the prospective lender. O.Reg. 407/07, s.1 (1).
2. Nothing in subsection (1) affects the right of a person or entity who does not have a brokerage licence or a mortgage broker’s or agent’s licence to refer a prospective borrower to a prospective lender for no fee or other remuneration. O.Reg. 407/07, s.1 (2).