Compare live Canadian rates, run real scenarios, and keep every document and decision in one secure dashboard. Then work with a licensed broker team to execute your payoff plan.
Live pricing
Updated daily across insured, insurable, and conventional scenarios.
Compare live Canadian rates, run real scenarios, and keep every document and decision in one secure dashboard. Then work with a licensed broker team to execute your payoff plan.
Live pricing
Updated daily across insured, insurable, and conventional scenarios.
Planning snapshot
Quick reference cards for rate context and payoff planning. Save your own scenario in the dashboard for exact numbers.
Today's rate snapshot
4.79%
Lowest active 5-year fixed offer in our rate database. Pricing still varies by scenario.
Payment preview
$2,476/mo
Example: $500,000 purchase, 5% down, 30-year amortization.
Payoff blueprint
Custom plan
Model prepayments, trigger rates, and renewal timing in your dashboard.
Social proof
Real reviews from Canadians who compared rates, saved scenarios, and closed with our broker team.
Same-day consultations
No app download necessary. It is done right in your browser, with expert guidance in under an hour and a clear next-step plan before you leave the call.
Book same-day free consult
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.
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.
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.
Live pricing
Filter live lender pricing by purchase, refinance, or renewal scenarios.
OpenFree tools
Payments, affordability, stress test, and cash-to-close modelling.
OpenAutomation
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.
OpenMortgage 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 How to buy a home in CanadaGuide
A lender-grade, Canada-specific pre-approval walkthrough: documents checklist, stress-test math, rate holds, and the mistakes that trigger last-minute declines.
Read Mortgage Pre-Approval Guide (Canada)Guide
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 First-time home buyer guide in CanadaProof 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.
Start with a 45-minute consult to outline goals, key dates, and whether strategies like the Smith Manoeuvre make sense for you.
Book a callUse 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 planLocal expertise
Meet the team in Kelowna, Surrey, or Calgary. Each office is licensed, insured, and ready to help you plan payoff strategies.
Locations map
Open the locations guide to view the interactive office map and local route details.
1915 Foxtail Terrace, Kelowna, BC V1P 1T9
15350 34 Ave Suite 301, Surrey, BC V3S 0L9
517 10 Ave SW, Calgary, AB T2R 0A8
Next step
Create a free account to save scenarios, compare rates, and keep your broker team in one secure workspace.
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 l...
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 t...
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 availabl...
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...
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...
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 we...
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.