5% down purchase
High-ratio insured for owner-occupied homes under $1.5M.
Search Pragmatic Mortgage
Find tools, guides, or services.
Find tools, guides, or services.
Most lenders want you in debt for 30 years. Our dashboard and smart-payment tools are designed to help you pay it off in half the time.
Today's rate snapshot
3.94%
5-year fixed insured example. Rates update daily and vary by scenario.
Payment preview
$3,189/mo
Example: $650,000 purchase, $40,000 down, 25-year amortization.
Payoff blueprint
Custom plan
Model prepayments, trigger rates, and renewal timing in your dashboard.
Live pricing
Updated daily across insured, insurable, and conventional scenarios.
Social proof
Real reviews from Canadians who compared rates, saved scenarios, and closed with our broker team.
Why Pragmatic
Scenario-driven tools, broker-reviewed insights, and a dashboard that keeps your documents, rates, and tasks in one place.
See insured, insurable, and conventional pricing with lender notes in one view.
Platform preview
Every calculator, rate comparison, and document checklist stays in one secure dashboard. Your broker team can pick up exactly where you left off.
Lender network
Explore insured, insurable, and conventional pricing. Filter by product, LTV, or privileges and book a call when you are ready.
Trusted lender network
Mortgage tools
Start free, then save scenarios, compare rate options, and share results with your broker when you are ready.
Mortgage Hub
Canada-specific guides, checklists, and renewal playbooks written with our broker team. Use them before you book a call.
Guide
A Canada-specific, step-by-step home buying guide—from budget and down payment to pre-approval, offers, and closing day.
Read moreGuide
A lender-grade, Canada-specific pre-approval walkthrough: documents checklist, stress-test math, rate holds, and the mistakes that trigger last-minute declines.
Read moreProof over promises
Everything we build is designed to earn trust with transparency, licensed guidance, and secure workflows.
Our licensed broker support is paid by lenders, so you get professional guidance without a direct service fee.
We show insured, insurable, and conventional pricing with prepayment details so you see the real trade-offs.
Documents are stored as PDFs only with row-level security policies on every table and audit-ready tracking.
Every recommendation, consent, and communication is documented for compliance and long-term clarity.
Process
We combine secure digital intake, licensed advice, and transparent pricing so you know exactly what happens between discovery and payoff.
Process
Start with a 15-minute consult to outline goals, key dates, and whether strategies like the Smith Manoeuvre make sense for you.
Book a callLocal expertise
Meet the team in Kelowna, Surrey, or Calgary. Each office is licensed, insured, and ready to help you plan payoff strategies.
Locations
Meet the team in Kelowna, Surrey, or Calgary. Each office is licensed, insured, and ready to help you plan payoff strategies like the Smith Manoeuvre / Maneuver and cash or rental damming---with a proper risk review.
Next step
Create a free account to save scenarios, compare rates, and keep your broker team in one secure workspace.
Payment, affordability, and refinance tools that sync into your account.
Chat securely and receive compliant, documented advice when it matters.
PDF-only uploads, audit-ready tracking, and row-level security on every table.
Automated reminders and comparison workflows built to avoid auto-renew traps.
Every consent, document, and chat action is logged for regulatory clarity.
Automation
Start 6 months early so you keep leverage and avoid rushed decisions.
OpenBroker team
Find a broker by region, language, and specialty, then book a consult.
OpenGuide
A pragmatic Canada-first guide to down payments, closing costs, mortgage insurance, and first-time buyer programs (FHSA, HBP, and the Home Buyers' Amount).
Read moreUse our calculators to model affordability, payments, prepayment impact, and rental cashflows. We double-check everything for compliance.
Use calculatorsSecure transparent pricing tailored to insured, insurable, or uninsured scenarios with prepayment privileges spelled out.
Secure my rateUpload documents in the dashboard, track conditions, and get proactive guidance on risks like rental damming or bridge financing.
Create free accountCoordinate lawyers, insurers, and lenders. We structure completion funds, rate holds, and renewals so there are zero surprises.
See servicesAutomate prepayments, monitor trigger rates, and run annual payoff reviews so you clear the mortgage faster and stay CASL-compliant.
Save my plan1915 Foxtail Terrace, Kelowna, BC V1P 1T9
15350 34 Ave Suite 301, Surrey, BC V3S 0L9
517 10 Ave SW, Calgary, AB T2R 0A8
Google reviews
Chad Nippard
5 months ago
They were absolutely awesome! It took us a while to find the right place and Dinah patiently crunched the numbers as we considered many different scenarios. We would not hesitate to use them and highly recommend anyone looking to purchase a home give them a call.
Nikki Middleton
11 months ago
Dinah was so helpful when the interest rates were high and our mortgage came up for renewal. She was incredibly patient, answered all of our questions and provided us with excellent advice. She walked us through all of the scenarios and helped us make the best decision for us. Because of Dinah’s help we are much further along on paying off our mortgage than we ever thought we would be. We would 100% use her services again and would recommend her to anyone looking for sound mortgage advice.
ruben capo
11 months ago
I’m not someone who does reviews but Dinah is truly professional in the mortgage industry. She is incredibly knowledgeable and always goes the extra mile to ensure her clients receive the best advice and options available. Her dedication, responsiveness, and ability to simplify complex processes make working with her an stress-free experience. If you’re looking for a mortgage broker who genuinely cares and puts your best interests first, Dinah from Pragmatic Mortgages is the one to call!
Sabrina Koyanagi
11 months ago
Dinah is an exceptional mortgage broker who truly cares about her clients. Her professionalism, expertise, and attention to detail set her apart. She takes the time to understand each client’s needs and works diligently to find the best solutions. If you’re looking for someone who is knowledgeable, trustworthy, and dedicated to helping you navigate the mortgage process with confidence, I highly recommend Dinah!
Joe C
11 months ago
Highly Recommend Dinah at Pragmatic Mortgage Brokers! Dinah made the mortgage process easy and stress-free! She’s knowledgeable, responsive, and truly cares about getting the best deal for her clients. She took the time to explain everything clearly and made sure I felt confident every step of the way. If you need a mortgage broker who goes above and beyond, Dinah is the one to call!
Benjamin Foster
a year ago
Kyle helped my wife Bailey and I get into our first apartment here locally in Kelowna. I had lots of questions well before the process and Kyle walked us through all of them to make us feel ready and secure to know we were getting ourselves into a good rate and lender. We will 100% be using Kyle going forward!
High-ratio insured for owner-occupied homes under $1.5M.
Bulk-insurable options for borrowers with lower LTVs.
Conventional offerings for up to 80% loan-to-value.
B2B Bank
5-year fixed
4.34%
Standard
