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Lender rate guide

Pine Mortgage
mortgage rates.

Compare current rate examples, then check what fits your mortgage.

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Compare the possibilities.

Owner-occupied BC & Ontario reference scenarios. Conditions vary by product.

6 of 6 reference offers

5-year variableInsured – FeaturedInsuredUp to 25-year amortization3.90%APRDetails
Product
Insured – Featured
Insurance category
Insured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

Pine featured Variable Mortgage Rate Variable; public insured reference rate, subject to Pine underwriting and change without notice. Pine homepage headline requires separate verification; this offer quotes the insured mortgage table only.

Compare the reference scenarios (2)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

5-year variableInsured – AdditionalInsuredUp to 25-year amortization3.90%APRDetails
Product
Insured – Additional
Insurance category
Insured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

Pine additional 5-year Adjustable; public insured reference rate, subject to Pine underwriting and change without notice. Pine homepage headline requires separate verification; this offer quotes the insured mortgage table only.

Compare the reference scenarios (2)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

3-year fixedInsured – AdditionalInsuredUp to 25-year amortization4.54%APRDetails
Product
Insured – Additional
Insurance category
Insured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

Pine additional 3-year Fixed; public insured reference rate, subject to Pine underwriting and change without notice. Pine homepage headline requires separate verification; this offer quotes the insured mortgage table only.

Compare the reference scenarios (2)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

4-year fixedInsured – AdditionalInsuredUp to 25-year amortization4.64%APRDetails
Product
Insured – Additional
Insurance category
Insured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

Pine additional 4-year Fixed; public insured reference rate, subject to Pine underwriting and change without notice. Pine homepage headline requires separate verification; this offer quotes the insured mortgage table only.

Compare the reference scenarios (2)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

5-year fixedInsured – AdditionalInsuredUp to 25-year amortization4.64%APRDetails
Product
Insured – Additional
Insurance category
Insured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

Pine additional 5-year Fixed; public insured reference rate, subject to Pine underwriting and change without notice. Pine homepage headline requires separate verification; this offer quotes the insured mortgage table only.

Compare the reference scenarios (2)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

5-year fixedInsured – FeaturedInsuredUp to 25-year amortization4.64%APRDetails
Product
Insured – Featured
Insurance category
Insured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

Pine featured Fixed Mortgage Rate Fixed; public insured reference rate, subject to Pine underwriting and change without notice. Pine homepage headline requires separate verification; this offer quotes the insured mortgage table only.

Compare the reference scenarios (2)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

Beyond the headline

Rate-table offer vs promotion

Pine’s mortgage rate table and homepage promotions can show different offers. Our reference rows identify their category and conditions, so compare the applicable offer rather than a standalone headline.

Check the insurance category, any promotion eligibility and whether benefits can be combined. Confirm fees, prepayment privileges and access through the actual application channel.

Lender product information and conditions ↗

Product guide updated . Rate evidence is dated separately in each offer. FCAC: choosing a mortgage.

Before you choose.

Why might a Pine homepage headline differ from this page?

It may refer to a separate promotion or borrower category. Compare the source, product conditions and verification time; a different headline is not a confirmed quote for your mortgage.

How do I check which Pine Mortgage rates fit my mortgage?

Use the shopper with Pine Mortgage selected, then enter your purchase, renewal or refinance details. Reference scenarios are examples; matching a rate is not lender approval. You can clear the lender filter to compare alternatives.

Check my scenario →
Can Pragmatic arrange every offer listed here?

A listing does not confirm a lender appointment or access to every product or promotion. Ask us to confirm the lender, program and application channel for your BC property. Our brokerage services are available in British Columbia.

Where can I compare payments and switching costs?

Use the payment calculator for an estimate, then include any payout penalty, discharge, appraisal and legal costs in a switching or refinance comparison. Confirm those costs with your current lender and the proposed lender.

Payment calculatorMortgage penalty estimateRefinancing guide

Related lenders and programs to explore. Eligibility and access differ.

All lenders →

Compare with your own numbers.

Compare payments and terms for your own numbers, or get a broker’s help with eligibility, fees and the details that matter to you.

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About these rates & reference scenarios

Current catalogue examples for owner-occupied British Columbia and Ontario properties. Rates match the stated example scenarios, not your personal eligibility. This is not every lender product or a whole-market best-rate claim. Insurance, underwriting, fees and lender conditions apply. A rate hold does not extend an offer's availability.

Also known as Pine, Pine Financial, Pine Canada Financial.

Catalogue retrieved . Public sources are scheduled for checks once daily at 6 a.m. Vancouver time. Unverified, expired and future offers are withheld.

A listing does not confirm that a lender has appointed this brokerage or that every lender product is available through us.

How we verify rates Public rate data (JSON) Tools for AI assistants