Wealthsimple

ICYMI: Thanks to our Pine partnership, you can get a low mortgage rate from them, and save even more with monthly rebates on your mortgage payments from us.

The more you have with Wealthsimple, the more humble the cost of your humble abode.

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Mortgage rates you’ll actually like

Here’s a breakdown of Pine’s rates:

How that compares to the big banks

	5-year fixed	5-year adjustable
Pine ?	4.14%	5.20%
Green Bank	4.49%	6.14%
Royal Blue Bank	4.44%	5.55%
Burgundy Bank	4.34%	5.65%
Red Bank	6.49%	6.90%
Blue & Red Bank	4.44%	5.95%

3 ways to save even more

Lock in a low rate (quickly!) with Pine

Our partner, Pine, is a direct lender, meaning they skip brokers and other intermediaries to speed up the process and help eliminate fees that lead to higher rates.

Get a rebate for being a Core client

On top of Pine’s already low rates, you’ll get a 0.05% rebate on your mortgage payments just for being an eligible client.*

Get an even bigger rebate when you deposit $50,000 or more

You’ll receive an extra 0.05% rebate for every $50,000 you deposit when you apply and get approved.** The more you deposit, the more you earn — up to the full amount of your quoted rate. Yes, that’s like having an interest-free mortgage payment.

Apply now

A handy guide for buying a home

We’ve compiled nine of the most head-scratching but important things to know about buying a home, like deciding where you can afford to live, or what you should really judge a realtor on (and no, it’s not their shoes).

Learn more

Still have questions about mortgages? Great. Get more answers here, or email our client success team.

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Mortgage brokerage services are offered by Pine Canada Financial Corporation ("Pine"). If you use Pine's services, Wealthsimple Mortgage Services Inc. ("Wealthsimple") may receive a referral fee. Any information you provide to Pine may be shared with Wealthsimple to help us understand our clients' needs and to improve our product offerings.

Rate Comparison: Data pulled as of Sept 23, 2024. Rates shown are subject to qualification and apply to mortgages with less than 20% down payment, and up to 25 year amortization. Pine’s APR and posted rate for insured mortgages are the same, with property valuation fee is waived. Rate subject to change.

*Client Payment Rebate. Eligible Wealthsimple clients with a funded Wealthsimple account who applied and received a Pine mortgage approval through https://wealthsimple.pine.ca, and close the mortgage within 120 days of the approval can receive a monthly mortgage payment rebate during their Pine mortgage term depending on their client status with Wealthsimple at the time the commitment letter for their Pine mortgage is issued, or on the 30th day after mortgage closing date, whichever is higher. Rebate equivalent to mortgage rate reduction of 0.05% for Core clients; 0.10% for Premium clients, and 0.15% for Generation clients. Subject to change. Max one (1) monthly mortgage rebate per Client. See full eligibility and T&Cs here.

**Deposit Offer. Eligible Wealthsimple clients who applied and received a Pine mortgage approval and closed the mortgage within 120 days of the approval can receive a monthly mortgage deposit payment rebate of 0.05% during their mortgage term on every new $50,000 eligible transfer or deposit initiated during the contribution period. Fund holding period required. Max one (1) monthly mortgage deposit rebate per Client. See full eligibility, contribution period, and T&Cs here.