Financial Product Reviews
# Of Lenders
See Issuer for Details
New Mortgage
Refinance
Switch Lenders
Personal banking and home shopping are done primarily online, so why not also take the home financing process digital as well? That’s where Pine comes in. Founded in Toronto, Pine’s mission is to simplify the mortgage process for Canadians. You can fill out a mortgage application on their website for free and get pre-approved within 24-hours. It’s quick and straightforward.
Pros
- Pine’s mortgage rates are currently lower than big banks
- Pine provides an easy online application process
- You can talk to real people about your Pine application and mortgage
Cons
- Pine is only available in certain provinces
- No in-person home advisor
Provinces
ON, BC, AB, MB, NB, PE, NL, NS, SK
Eligibility
See Issuer for Details
Why You Want It
Apply entirely online + Get some of the lowest advertised mortgage rates.
Special Features
- Some of the lowest advertised mortgage rates in Canada
- Earn $500 for you and a friend with client referral program
- Offers mortgage programs for those with poor credit
- Get a personal mortgage advisor who works on salary instead of commission
# Of Lenders
See Issuer for Details
Pre-approval
Instant Quotes
New Mortgage
Refinance
Switch Lenders
Personal Support
Online Support
Phone Support
Text Support
Fees?
None
Min Monthly Fee
$24.99
Max Monthly Fee
$34.99
Ads In Min Monthly Fee
Estimated # Of Shows/Movies
See Issuer for Details
Canadians who watch a lot of sports know that pay-per-view costs can be steep, which is why streaming services like DAZN allow exclusive access to sporting events. DAZN subscribers have access to live and on-demand sports, including football, soccer, boxing, tennis, and baseball.
Pros
- Wide variety of sports coverage
- Pause, rewind, and rewatch live sporting events
- Scheduling and reminders
Cons
- Pricey subscription tiers
- Lack of NHL coverage
- Low device limit
Provinces
ALL
Eligibility
- Be 18 years or older
Why You Want It
Watch live and on-demand sports in HD + Set up reminders for events.
Special Features
- Ability to rewatch and rewind live events
- Built-in scheduling and reminders
- Exclusive sporting matches and content
Min Monthly Fee
$24.99
Max Monthly Fee
$34.99
Ads In Min Monthly Fee
Watch On Smart TVs
Watch On Phones/Tablets
Watch On Computer
Watch On Game Consoles
In-House Content
Kids Programming
Live Sports
Number Of Screens That Can Watch At Once
2
Estimated # Of Shows/Movies
See Issuer for Details
Option To Add More Users
See Issuer for Details
Pay An Annual Fee For A Discount
Current Promo
N/A
Promo End Date
N/A
Min Monthly Fee
N/A
Max Monthly Fee
$0
Kids Included For Maximum Fee
5
Task Manager
Kids and parents alike will enjoy Mydoh, an RBC-powered money management app packed with useful features that make handing out allowance easier than ever. What started as a concept from a couple of MBA graduates is now a popular app.
Pros
- Completely free to use for everyone
- Mydoh is backed by a Canadian powerhouse bank: RBC
- Parents are the ones to set up the account
- Keeps track of kids' tasks and chores
- Kids have their own card to use for spending – within reason
- Kids can customize their card for a one-time fee of $6.99
Cons
- Parents who aren't tech-savvy can easily get confused
- Your child must have regular access to a phone or tablet to use it
- Saturday is now payday forever
Provinces
AB, BC, MB, NB, NL, NU, NT, NS, ON, PE, SK, YT, QC, ALL
Eligibility
See Issuer for Details
Why You Want It
Easily track your kids' spending + Automate allowance and chore assignments.
Special Features
- Mydoh Smart Cash Card gives kids limited access to spending online and in-store
- Use Mydoh Tasks to assign chores and household tasks for your kids
- A fun way for kids to learn financial literacy
- Add up to 2 parents and 5 children at no cost
Min Monthly Fee
N/A
Max Monthly Fee
$0
Kids Included For Maximum Fee
5
Includes Prepaid Card
Promotion
N/A
Flexible Terms
Minimum Loan Amount
N/A
Maximum Loan Amount
N/A
APR Range
See Issuer for Details
With a Scotiabank personal loan, you have access to either secured or unsecured funds that can provide financial relief for a range of situations. Whether you need to pay for a home renovation, purchase a vehicle, or even consolidate your debts, a personal loan like this can be the lifeline you need.
Pros
- Customize your payment frequency and amounts
- Can postpone one payment each year
- Using an established bank provides peace of mind
Cons
- Unable to fill out applications online
- Interest rates aren't advertised
- Detailed information is difficult to find
Provinces
ALL
Eligibility
- Be a Canadian citizen or permanent resident
- Meet the age of majority requirement for your province or territory
- Be employed
- Meet income and credit score requirements
Why You Want It
Customize your payment structure + Postpone a payment once a year.
Special Features
- Flexible and customizable payment options
Pre-approval
Flexible Terms
Loan Amounts
See Issuer for Details
APR Range
See Issuer for Details
Term Range
1 to 5 years
Minimum Credit Score
See Issuer for Details
Secured Available
Term Life Insurance
Terms Available
- 10 years
- 20 years
Permanent Life Insurance
Guaranteed Acceptance Life Insurance
Founded in 2020, Walnut Insurance is the first company to offer life insurance membership plans that include subscriptions to various independent wellness products, such as Headspace. It's both a smart business move and an excellent way to supplement clients' health care needs.
Pros
- Subscription plans come with sweet perks
- Digital protection is a unique and convenient option
- A fully online application process
- Transparent and surprisingly low pricing
- Flexible age requirements
Cons
- Not available in New Brunswick or Quebec
- Only 2 term lengths available
Provinces
AB, BC, MB, NL, NU, NT, NS, ON, PE, SK, YT
Eligibility
- Ages 18 - 70
Why You Want It
Get up to $1M in coverage in minutes + Premiums starting at $10 a month.
Special Features
- Get term life insurance from RBC Insurance with extra benefits
- Digital membership protects your electronic devices
- Membership includes access to products and services like Headspace, Dashlane, and ClassPass
Term Life Insurance
Terms Available
- 10 years
- 20 years
Permanent Life Insurance
Guaranteed Acceptance Life Insurance
Universal Life Insurance
Minimum Balance To Waive Fee
N/A
# Of Free Monthly Transactions
Unlimited
# Of Free Monthly Interac E-Transfers
Unlimited
Monthly Fee
$0.00
The PC Money Account is a simple, basic bank account that earns significant PC Optimum points for users. It’s not quite a chequing account, though. It was launched in September of 2020 by PC Financial, a Canadian financial company.
Pros
- No fees for transactions or e-Transfers
- Unlimited transactions
- Earns tons of extra PC Optimum points
- Works like a prepaid Mastercard
- Optional savings feature with interest
Cons
- No option to use cheques
- Can't deposit cash or cheques at ATMs
- Annoying $20 inactivity fee
Provinces
ALL
Eligibility
- Resident of Canada
- At least 16 years old
Why You Want It
Earn 5 PC Optimum points per $1 spent everywhere + No monthly fees.
Special Features
- Earns at least 5 PC Optimum points per $1 spent
- Access to PC Financial ATMs
- Earn up to 5,000 monthly bonus points when you deposit your payroll
- Earn up to 5,000 bonus points for making monthly bill payments
Minimum Balance To Waive Fee
N/A
# Of Free Monthly Transactions
Unlimited
# Of Free Monthly Interac E-Transfers
Unlimited
Monthly Fee
$0.00
Excess Transaction Fee
N/A
Excess Interac E-Transfer Fee
N/A
Maximum Credit Card Annual Fee Waiver
N/A
Maximum Welcome Bonus
$200
Promo End Date
See Issuer for Details
Physical Locations
Automatic Budgeting System
Minimum Interest Rate
2.7%
Earn Rewards On Debit Purchases
Free Cheques
Free Bank Drafts
Max Rebates For Other Accounts
N/A
Discounts For Seniors
Discounts For Youth
Other Discounts
Minimum Investment
$0
Maximum Stock Fee
$0
Maximum ETF Fee
$0
Account Maintence Fees
$0
The National Bank Direct Brokerage is one of the top-rated online brokers in Canada, thanks to its competitive fee structure, library of training sessions and tips, and the security offered by a major financial institution. This was the first online trading platform to offer commission-free for stocks and ETF trades in Canada, and its recently launched mobile app makes National Bank Direct Brokerage even more convenient for trading on the go.
Pros
- No trading fees to worry about
- Webinars, training sessions, and analysis tools
- Backed by a solid financial institution
Cons
- Surprisingly large administration fee
Provinces
ALL
Eligibility
- Be a Canadian resident
Why You Want It
$0 commission on all transactions + No minimum balance to get started.
Special Features
- Market-Q, Options Play, Decisions-Plus and more tools available
- Several types of accounts and products to choose from
- Access to a range of tools, webinars, and tutorials on investing
Types Of Accounts
- RRSP
- TFSA
- Cash
- Margin
- Short-selling
- RESP
- Spousal RRSP
- RRIF
- Spousal RRIF
- RESP
- FHSA
Types Of Investments
- Equities
- ETFs
- Options
- Mutual funds
- Bonds
- Exchange-traded debentures
- GICs
- Linked notes
Minimum Investment
$0
Email Support
Live Chat Support
Phone Support
Minimum Stock Fee
$0
Maximum Stock Fee
$0
Minimum ETF Fee
$0
Maximum ETF Fee
$0
Active Trader Stock Fee Per Trade
N/A
Cover Transfer Fees?
Minimum Deposit To Cover Transfer Fee
$20,000
Maximum Covered Transfer Fee
$150
Withdrawal Fees?
Account Maintence Fees
$0
Inactivity Fee Amount
$0
Promotion Description
N/A
Promotion Max Value
N/A
Promotion Requirements For Max Value
N/A
Promotion End Dates
N/A
Flexible Terms
Minimum Loan Amount
N/A
Maximum Loan Amount
N/A
APR Range
N/A
An RBC personal loan is one offered by the Royal Bank of Canada, which is the largest bank in the country. Applying for a personal loan can be a way to achieve the funds you need for things like home renovations, buying a car, consolidating your debt, etc. And since RBC is such a Canadian powerhouse, it can be a good choice for those looking for a financial institution that'll provide peace of mind along with a personal loan.
Pros
- Flexible loan terms
- Several options for payment frequency
- Can easily make changes online
Cons
- Very little information online
- No help options via email or instant chat
Provinces
ALL
Eligibility
- Canadian citizen or permanent resident
- Age of majority in your province
- Valid bank account
- Meet income and credit score requirements
Why You Want It
No early prepayment penalties + Skip a monthly payment once a year.
Special Features
See Issuer for Details
Pre-approval
Flexible Terms
Loan Amounts
N/A
APR Range
N/A
Term Range
N/A
Minimum Credit Score
N/A
Secured Available
Min Fee
$139
Max Fee
$199
Free Will Updates
Create A Record Of Your Assets
Ever wondered what an online will service look like if it were designed by actual estate planning lawyers? Epilogue Wills is the brainchild of Daniel Goldgut and Arin Klug, a couple of lawyers who saw a niche market opportunity and decided to go for it.
Pros
- More affordable than traditional methods
- Saves time and is easy to use
- Created by experts in the industry
- Create a social media Will
- First Will platform to let you name a professional trust company as executor
Cons
- Not appropriate for those with complicated finances
- Information centre isn't all that helpful
- Unavailable in certain provinces
Provinces
AB, BC, MB, NB, NL, NS, ON, PE, SK
Eligibility
- Age of majority
- Canadian resident (except in Quebec or territories)
Why You Want It
Easily create your customized Will online + Unlimited free updates when you need them.
Special Features
- Convenient and legally binding service
- Update for free whenever you like
- Option to create Incapacity Documents alongside your Will
- Works with charities to make leaving a bequest a simple process
- Partnership with RBC
Min Fee
$139
Max Fee
$199
Free Will Updates
Create A Record Of Your Assets
Abilty To Register Your Will With The Canada Will Registry
Create Incapacitation Documents
Rate Type
Fixed Closed
Rate Guarantee (days)
150
Posted Closed Rates
- 2 year: 4.7%
- 3 year: 4.24%
- 4 year: 4.45%
- 5 year: 3.99%
- 7 year: 5.94%
- 10 year: 6.14%
Since we do just about everything online these days, the brains behind nesto figured we should be able to get mortgages online too, so they created a convenient platform for doing just that. Whether you're looking for a new mortgage, or even to refinance, nesto can help.
Pros
- Super quick and easy application process
- You're guaranteed to get the lowest rate available
- Get up to $13,754 cash back on your mortgage
- Limited time product – Prime Time Mortgage
Cons
- Speaking to a human, in person, isn't an option
- Doesn't yet have a well-established reputation
Provinces
ALL
Eligibility
- Age of majority in your province
- Canadian citizen or resident
Why You Want It
Get the lowest rate guaranteed + 150 day rate lock
Special Features
- Canada's first digital mortgage lender
- Mortgage advisors are salaried instead of commission-based
- Rates are locked for 150 days, the longest of any lender in Canada
- Earn 1% of your total mortgage value as cash back when you fund your mortgage through nesto
Rate Type
Fixed Closed
Pre-approval
Rate Guarantee (days)
150
Bank Prime Rate
4.95%
# Of Prepayments Allowed Per Year
See Issuer for Details
% Of Prepayment Allowed
20%
# Of Payment Increases Allowed Per Year
See Issuer for Details
Max Payment Increase Allowed
20%
Promotion Available
N/A
Promotion End Date
N/A
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