PenFinancial’s mortgage rates are among the best in the market, but you’ll get more than just great rates at PenFi. You’ll get the help and advice you need to grow your home and build your future. You’ll also help your neighbours. With 10% of pre-tax profits donated back into Niagara and Haldimand to fight issues like poverty and homelessness, PenFi offers a different way to do banking.
Our Truly Local Commitment is the heart and soul of our philosophy, where we believe the prosperity of our Members and our communities go hand in hand. We donate 10% of our pre-tax profits back into our communities, a living wage is our minimum wage, and we are a Certified B Corporation – just a few ways we're invested in you and your community.
Looking to buy your first home? You aren’t alone. Young people all over Canada are looking for a way to move on up from basement rentals. But, like many Millennials, you’re probably on a tight budget. Well, now you’re in luck because government incentives can help! In its 2019 federal budget, the Government of Canada announced a way to help you: the First Time Home Buyer Incentive.