Payoff-first mortgage planning

Mortgage Planning built for Mortgage Freedom.

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.

Create free account Explore rates

Pragmatic Mortgage — Your Gateway to Home Ownership

Social proof

Borrower stories from Google

Real reviews from Canadians who compared rates, saved scenarios, and closed with our broker team.

Live pricing

Featured Canadian mortgage rates

Updated daily across insured, insurable, and conventional scenarios.

Explore rates Create free account

Same-day consultations

Book a same-day free consultation and know your mortgage options today.

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

Borrower and broker meeting over secure browser-based video call

Why Pragmatic

Everything you need to compare, qualify, and close.

Scenario-driven tools, broker-reviewed insights, and a dashboard that keeps your documents, rates, and tasks in one place.

Create free account Meet the Broker team

Platform preview

One workspace for rates, docs, and guidance

Every calculator, rate comparison, and document checklist stays in one secure dashboard. Your broker team can pick up exactly where you left off.

Create free account Explore Mortgage Hub

Secure document intake with audit-ready tracking

Lender network

Trusted lenders and rates in one place

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

Built for real decisions

Start free, then save scenarios, compare rate options, and share results with your broker when you are ready.

Live pricing

Rate explorer

Filter live lender pricing by purchase, refinance, or renewal scenarios.

Open

Free tools

Mortgage calculators

Mortgage Hub

Borrower-first education, reviewed by brokers

Canada-specific guides, checklists, and renewal playbooks written with our broker team. Use them before you book a call.

Guide

How to buy a home in Canada

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 Canada

Guide

Proof over promises

How we earn your business

Everything we build is designed to earn trust with transparency, licensed guidance, and secure workflows.

Broker guidance, no fees

Our licensed broker support is paid by lenders, so you get professional guidance without a direct service fee.

Rate transparency

We show insured, insurable, and conventional pricing with prepayment details so you see the real trade-offs.

Security first

Documents are stored as PDFs only with row-level security policies on every table and audit-ready tracking.

Accountable advice

Every recommendation, consent, and communication is documented for compliance and long-term clarity.

Process

Your Pragmatic mortgage journey

We combine secure digital intake, licensed advice, and transparent pricing so you know exactly what happens between discovery and payoff.

Step 1

Discovery

Start with a 45-minute consult to outline goals, key dates, and whether strategies like the Smith Manoeuvre make sense for you.

Book a call

Local expertise

Local experts across British Columbia and Alberta

Meet the team in Kelowna, Surrey, or Calgary. Each office is licensed, insured, and ready to help you plan payoff strategies.

Office map

View full locations guide

Next step

Ready to plan your mortgage strategy?

Create a free account to save scenarios, compare rates, and keep your broker team in one secure workspace.

Create free account Book a consult

Payoff-first mortgage planning

Mortgage Planning built for Mortgage Freedom.

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.

Create free account Explore rates

Social proof

Borrower stories from Google

Real reviews from Canadians who compared rates, saved scenarios, and closed with our broker team.

Live pricing

Featured Canadian mortgage rates

Updated daily across insured, insurable, and conventional scenarios.

5.0 average

122 reviews

Read all reviews

Swipe to read more

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Nikki Middleton

11 months ago

Google

5.0

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...

Pragmatic Mortgage Broker SurreyView Pragmatic Mortgage Broker Surrey on Google

ruben capo

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

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

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...

Kelowna Mortgage Broker | Kyle WilsonView Kelowna Mortgage Broker | Kyle Wilson on Google

Tim Graves

2 years ago

I should have shared my review earlier. Kyle helped me and my wife secure our first home at the market peak of 2022. We made offers on countless properties only to be beat out in bidding wars. Many times we had less than...

Reg Nippard

Great mortgage broker and team! Very knowledgeable and helped us understand every step. We were impressed with how quickly our questions were answered throughout the whole process, making it a relatively stress-free expe...

Mo F

3 years ago

Kyle and his team were very easy to work with. Being new to Canada, Kyle made sure my wife and I understood everything going on and was always available to answer any questions we had. He was always there for us when we...

Victor Hugo Cobian

5 years ago

Kyle and his team are absolutely amazing! We highly recommend Pragmatic Lending. We are first time home buyers and self employed, plus with everything going on with COVID-19, there were a lot of challenges to overcome in...

J V

8 years ago

I've known Kyle for years both personally and professionally - he will always give you his best! With his help we confidently purchased our first home and he was honest, patient, and resourceful throughout the process. W...

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