Looking for a mortgage?

Time to buy a home? Looking to renew or refinance?  Want to get in on some of the best mortgage rates in the market? PenFinancial can help.


More than just great rates

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. Each year we commit a portion of our profits to support truly local initiatives that, in turn, help our communities thrive. 

All mortgage rates →

1-Year Fixed¹
High Ratio
5-Year Fixed¹
High Ratio
5-Year Fixed¹
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Contact us below. Well reach out within 1 business day!

Well have a qualified advisor reach out to you shortly. And don't worry, its a no-pressure, no-commission culture here at PenFi! We look forward to chatting more.

Or if youd like, you can:




I’m a millennial who grew up in Niagara. Will I ever be able to buy a home here?

Every day, we read how expensive housing is becoming in Niagara and beyond. Compared to the past, buying a home today is significantly more difficult, even when considering inflation and wages.

It’s not all bad… Sarah Bujacz, one of our Financial Advisors, has shared some tips that will help boost your chances of homeownership and build toward the future.

Strategies to get approved for your mortgage

Banking at PenFi is about more than the money.

It’s about financial solutions that generate prosperity for you and your community.

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.  Each year, we commit a portion of our profits to support truly local initiatives that help our communities thrive.  We're also a proud living wage employer, and we are a Certified B Corporation committed to using business as a force for good.  There are just a few of the ways we're invested in you and your community.

Learn about our TLC

1 Rates are subject to change without notice.  Additional premiums may apply in cases of a refinance, extended amortizations, non-owner occupied, or other instances where application details may warrant it. A High Ratio mortgage is applicable in cases where a borrower places a down payment of less than 20% of the purchase price on a home. Refinances, renewals and amortization periods of greater than 25 years are ineligible. For a purchase price of $500,000 or less, the minimum down payment is 5%. When the purchase price is above $500,000 and under $1,000,000, the minimum down payment is 5% for the first $500,000 and 10% for the remaining portion. Offer may change or be withdrawn at any time without notice.