Pine
Digital‑first mortgage lender offering fully online applications across Canada (licensed in ON, AB, SK, NS, NB, NL and authorized in BC, MB, PEI and other provinces). It lends Ontario, British Columbia, Alberta.
Prepayment-penalty method
Fair, contract-rate penalty
If you break a fixed term early, the penalty is calculated the borrower-friendly way, using your actual contract rate. This is usually far cheaper than a big bank's posted-rate method, and it is one of the biggest hidden costs most people never compare.
See what breaking a mortgage early could costWho it tends to fit
- Self-employed and business-owner borrowers
- Buyers of rental or investment property
- Borrowers with solid credit (around 680+)
- Refinances and equity take-outs
General signals only. Approval depends on the full application; a lender that fits on paper still has to say yes.
What you can do with it
- Buying a home
- Refinancing
- Renewal or switch
Features
- Prepayment privileges (pay extra without a penalty)
- Portable (move your mortgage to a new home)
Rate types
- Fixed rates
- Variable rates
Where it lends
Ontario, British Columbia, Alberta
Good to know
- Fair contract-rate IRD.
- Direct online only: no broker.
How to reach Pine
You deal with this lender directly, no broker required. This is educational information, not a rate quote; confirm current rates and terms directly.
Visit PineEducational summary; rates, terms, and approval are set by the lender.
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Educational information about Canadian mortgages, not financial or mortgage advice. This tool is offered by Jordan Avery, Mortgage Agent (Level 2), Licence M23999999 · Maple Key Mortgages Inc., FSRA Brokerage Licence 13999 and operated by LenderSearch; figures are estimates. Confirm all rates, terms, and eligibility directly with the lender before acting.