Buy a home
Work out your budget, down payment and approval before making an offer.
First home? Start here →Independent mortgage brokers · British Columbia
Mortgage Planning
built for Mortgage Freedom.
Buying, renewing or refinancing? We help you compare lenders, make sense of the numbers and choose a mortgage that fits your life.
Free initial conversation. No obligation. Prefer to call? (778) 557-2144
Start with your situation
What would you like help with?
Renew your mortgage
Compare your lender’s offer with switching. Know the payment and the full cost.
Compare renewal payments →
Refinance or use equity
Check whether refinancing, a HELOC or waiting for renewal makes sense.
Run the refinance analysis →Your situation has a few extra details?Self-employed incomeDebt consolidationNew to CanadaCredit challengesAll mortgage services →
Your payment, at a glance
A simple place to start.
Three numbers. One clear monthly estimate. Adjust them to see what changes.
Illustration only. The entered interest rate is an example, not a rate offer. Principal and interest, Canadian semi-annual compounding. Excludes taxes, insurance and fees. Amortization eligibility varies.
Real people. A clear process.
Your questions deserve a person.
Tell us what you’re planning. We’ll work through your budget, income and timing, then explain the lender options and their trade-offs. You’ll know what to prepare and what happens next.
- Have a conversation. Share your goals and ask your questions.
- Compare your options. Look at payments, fees, conditions and flexibility.
- Move forward with help. Your broker guides the application and closing.
Before you decide
Straight answers to good questions.
Canadian mortgage information, with brokerage help for homes in BC.
Explore mortgage guides →What 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, 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.
Read our fees and disclosures →How 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: FCAC down payment rulesShould 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.
Compare fixed and variable mortgages →A useful next step
Let’s work out your options.
You don’t need a complete application to ask a question.