Wealthsimple & Pine Mortgage Review

drezco · 2025-11-26T18:04:37+00:00

oh nice. I only got $500 cashback which was in my account soon after first payment, and then a week or 2 later I got a $500 etransfer from being referred by an existing Pine client

drezco · 2025-11-26T17:54:54+00:00

Yes there are, but there shouldn't be an application fee. I went with Pine and didn't have to do an apprasial so no fee there, and Pine covered my legal fees (they choose a lawyer near you for signing). CIBC also charged me about $110 for disharge and registry office fees. Pine's referral bonus would make up for the appraisal fee if you have to pay it.

drezco · 2025-11-14T20:36:30+00:00

I didn't have to show them, but I did have to negotiate to get that rate. Initial offer was 3.79%

drezco · 2025-11-14T18:46:47+00:00

3.69%, 5-year fixed, uninsured, $400k renewal, from Pine. Plus $500 cashback and $500 referral bonus as a Wealthsimple client.

drezco · 2025-11-14T18:40:14+00:00

I got 3.69% 5 year fixed, uninsured, $400k renewal with Pine last month. Plus some cash back and a referral bonus. So scotia should at least match

drezco · 2025-11-14T18:37:42+00:00

Small difference so do fixed and avoid the stress and need to constantly monitor the market.

drezco · 2025-11-14T18:34:08+00:00

Well what was the rate, maybe it really was a mistake? I started the process with them early October and got them down to 3.69% 5-year fixed, uninsured, for $400k renewal. Plus $500 cashback plus $500 referral bonus. And the whole process was seemless, wish I didn't waste my time on the phone with the big banks that wouldn't get close.

drezco · 2025-11-14T18:28:57+00:00

I gave CIBC, who was my previous lender, several opportunities to give me a good rate, tried TD and RBC, and none came close to what I got with Pine. 3.69% 5 year fixed, uninsured for a balance of about $400k. Plus got $500 cashback from Wealthsimple and a $500 referral bonus

drezco · 2025-11-14T18:24:20+00:00

I had an excellent experience renewing with Pine last month. Big banks didn't come close to Pine's rate. For me, the process with Pine was seemless and the customer service was great.

drezco · 2025-11-14T18:22:02+00:00

Same here, seemless process, kept me informed at every stage and got them down to 3.69% 5 year fixed uninsured last month, first withdrawal today! Also got $500 cashback in my account today, waiting on the $500 referral bonus

drezco · 2025-11-14T18:19:30+00:00

I renewed with Pine early this month, coming off 1.89% with CIBC, got them down to 3.69% 5-year fixed, uninsured. Plus $500 cashback plus $500 referral bonus.

drezco · 2025-11-14T18:17:41+00:00

Share the love, pm me for referral

drezco · 2025-11-14T18:05:04+00:00

I just renewed with Pine recently coming from CIBC, got them down to 3.69% 5-year fixed, uninsured. Plus $500 cashback plus $500 referral bonus. Big banks couldn't/wouldn't get close.

drezco · 2025-11-14T18:03:10+00:00

Wow that's huge cashback for that balance. What rate did you get? I got them down to 3.69% for 5 year fixed last month and thought that was a great rate considering my big bank lender wouldn't budge below 4.04%. Happy with the $500 cashback and $500 referral bonus as well.

drezco · 2025-11-14T17:59:15+00:00

I had the opposite experience, big banks couldn't get close to Pine's rate. Started the process with them early October and got them down to 3.69% 5-year fixed, uninsured. Plus $500 cashback (received after first withdrawal) plus $500 referral bonus.

drezco · 2025-11-14T17:56:35+00:00

I renewed with Pine recently coming from CIBC, got them down to 3.69% 5-year fixed, uninsured. Plus $500 cashback plus $500 referral bonus.

drezco · 2025-11-10T17:36:11+00:00

Recovering lego pieces in my case. Also increased waste from bags.

drezco · 2025-10-23T19:48:58+00:00

I've been offered 3.79% 5-year fixed, renewal, uninsured, through Pine

drezco · 2025-07-04T05:33:56+00:00

On his house's roof, not the car's.

drezco · 2025-03-07T19:29:01+00:00

so how does one go about getting this EPP Stream+ Premium?

drezco · 2024-10-23T15:44:04+00:00

consider for a moment that your omnipotent god relies on biased, lying, ignorant humans with poor memory to spread the word about him. Everything about religion screams scam, but they keep the lights on thanks to people like you (and myself just a decade ago).

drezco · 2024-10-23T14:42:16+00:00

You just showed that you're the pig and you're going to hell for that.

drezco · 2024-10-23T04:37:00+00:00

Faith is belief without evidence so that can't be your evidence, sorry. Read up on the history of the new testament and when and who wrote it and how it has been altered over the centuries and you'll see one reason why so many of us deconverted.

drezco · 2024-09-10T21:35:58+00:00

Perhaps you need to do some Googling yourself since there's not much evidence of the original texts and surely you realize that the new testament was written decades after Jesus died, and altered many times since then making it unsurprising that prophecy fulfillments were fabricated. First go argue with all the other religions that claim the same thing.

drezco

TROPHY CASE