Independent advice. BC & Alberta.
Your life.
Your home.
Your next move.
A mortgage should open doors.
Let’s find the one that fits your life.
Big decisions deserve
independent thinking.
Start where you are
There’s a way forward.
Let’s find yours.
You don’t need all the answers.
Just a place to start.
Your next chapter starts with a clear plan.
First home or next home, know what you can comfortably afford before you fall in love with a front door.
Plan my purchase- Understand your buying budget
- Get your documents ready
- Compare lenders and get pre-approved
What could your
mortgage look like?
Change the numbers. Find your starting point.
Illustration only; 4.5% is an example, not a rate offer. Principal and interest, Canadian semi-annual compounding. Excludes taxes, insurance and fees. Amortization eligibility varies.
Less guesswork. More possibility.
Make the numbers
make sense.
Good people. Thoughtful mortgages.
A rate is a number.
You’re a whole story.
The career change. The growing family. The someday cabin. We start by listening, then bring the lenders, numbers and details together into a plan that makes sense for you.
Meet your mortgage people
A personal connection.Find a broker near you
Alberta · RECA 1000666
The home advantage
A little knowledge.
A lot more confidence.
Plain-language guidance for the decisions that matter.
Visit the mortgage guidebookWhat does a mortgage broker do?
A mortgage broker helps you compare mortgage options from different lenders, prepare your application and understand rates, penalties and conditions. Pragmatic Mortgage Lending provides licensed mortgage broker guidance in British Columbia and Alberta, from your first planning conversation through closing and renewal.
Does it cost anything to work with Pragmatic?
An initial consultation is free. On many standard residential mortgages, the lender pays the broker. Some alternative, private or complex financing may involve borrower-paid fees. We explain any applicable fees before you commit. See our pricing and disclosures for details.
See pricing and feesHow much down payment do I need in Canada?
For an eligible owner-occupied purchase below $1.5 million, the minimum is generally 5% of the first $500,000 and 10% of the remainder. Homes priced at $1.5 million or more require at least 20%. Mortgage default insurance is typically required below 20% down. Lender and property rules may require more.
Source: Financial Consumer Agency of CanadaShould I choose a fixed or variable mortgage?
A fixed rate gives you a set interest rate for the term. A variable rate can change with the lender's prime rate; payment behaviour depends on the product. Compare your budget, risk tolerance, expected moves, prepayment options and penalties alongside the rate. There is no single best choice for everyone.
General information checked September 6, 2026. Your mortgage depends on your circumstances and lender approval. Our editorial standards.
Your next chapter is calling
Let’s open
the right door.
A conversation. A clear next step. A mortgage that feels right.
Let’s talk about your plansFree initial consultation · No obligation