Money · Verto Review · 2026
Pine: Lowest mortgage rates in Canada — fully online, no broker fees
Lowest mortgage rates in Canada — fully online, no broker fees
Here's what to know before you sign up: how Pine works, who it's actually a good fit for, and what to check before committing.
No obligation — checking availability doesn't commit you to anything
Category
Money
Available In
CA
Offer Type
One-time
What is Pine?
Pine is Canada's leading online mortgage lender. Rates consistently below the big banks. No broker fees. Full application online. $562.50 per funded mortgage. EPC $2.81.
How It Works
Pine is a one-time purchase. You pay once, get the product or service, and there are no recurring charges unless you opt in to a subscription separately.
No broker fees · Below big bank rates
Pine
Available in CA · No obligation to proceed
Common Reasons People Choose Pine
See our full guides — with comparisons and alternatives.
Good fit if you…
- Are ready to make a one-time decision after reviewing current pricing
- Are located in CA (required for this offer to be active)
- Have read the description above and this matches your specific situation
May not be right if you…
- Need to spread payments over time — this is a one-time purchase
- Are not in CA — the offer will not activate outside this region
- Have a very specific eligibility requirement — confirm details on the provider's site before proceeding
Frequently Asked Questions about Pine
Is Pine legit?
Pine is a real, operating service available in CA. Read the full terms on the provider's site before signing up, as pricing and cancellation terms vary by plan.
What is Pine and how does it work?
Pine is Canada's leading online mortgage lender. Rates consistently below the big banks. No broker fees. Full application online. $562.50 per funded mortgage. EPC $2.81. No broker fees · Below big bank rates.
Who should use Pine?
Pine is a one-time purchase best suited for people in CA who pine is Canada's leading online mortgage lender. It may not be the right fit if you need an immediate result with no commitment — confirm eligibility on the provider's site first.
Is Pine available in my country?
Pine is currently available in: CA. If your country isn't listed, the offer is not active for your location. Availability can change — check the provider's site for the most current geographic coverage.
What should I know before clicking through to Pine?
The link on this page goes to the current Pine offer page with live pricing. Pricing and availability can change. You are not committing to anything by clicking through. Review the billing and cancellation section on the provider's site before entering any payment information.
Check availability first
Pine
Lowest mortgage rates in Canada — fully online, no broker fees
Verto may earn a commission — it never changes our verdict. Clicking through doesn't commit you to a purchase.
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Some links on this page may earn Verto a commission at no cost to you. Content is independent editorial and does not constitute professional advice. Individual results vary. Always review full terms on the provider's website.