Find your next home and save on your mortgage, all in one place with Pine

See new listings, book same-day tours, and get instant estimates on homes you love.

Apply for a mortgage pre-approval from home, work, or even on the go in just a few clicks.

We are a direct lender, eliminating extra fees and middlemen. That means we have more flexibility to offer you lower rates.

We developed our own software to automate many administrative tasks for our advisors and underwriters. This efficiency saves us money, and we pass those savings on to you.

Unlike traditional mortgage companies, our advisors are salaried, not commission-based. This approach reduces costs, allowing us to offer you even lower rates.

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.

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.

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