Pragmatic Lending2021-08-11T23:28:56+00:00

Canada’s Mortgage Broker

A Mortgage Broker’s job is to get you the lowest interest rate possible and best product. That’s what we do. Simple, efficient, fast mortgage solutions

Kelowna Mortgage Broker


Your Best Mortgage Advice is minutes away.

Mortgage Broker Canada Testimonial


“We highly recommend Pragmatic Lending. As a first time home buyers and self employed, plus with everything going on with COVID-19, there were a lot of challenges to overcome in order for us to purchase our home. Despite all of that, Pragmatic worked closely with us and pushed through, even when it seemed like things might not work out. We were very impressed by their dedication!” – VC

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Answer’s to your mortgage needs.

As your Canadian Mortgage Broker. We provide a powerful service and consultation service.

How much are Mortgage Broker Fees?2021-01-15T18:59:59+00:00

Mortgage Broker Fees are not complicated.  The simple answer is:  Nothing! Zero! Ziltch!  A mortgage broker does not charge a fee for their service. We are simply paid a commission from lender we both agree is the best fit for you.

Think of it this way:  If you went to a bank today and sat down with a banking officer;  that banker is paid a commission to earn your business. What’s the only difference between a mortgage broker and the banker?  We represent YOU.  Not the bank! Finding you endless options in a competitive market to make sure you get the best product available.*

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*Private Equity Mortgages, or “B” lending products may require the client to pay  lender or mortgage broker fees of 0-2% depending on complexity of needs.  Please contact us for details.

We have the most flexible options available to suit your style.

Want to meet in person? Book an appointment with one of our Broker’s Nationwide.

Like to do everything online? Get started.

Prefer to do it over the phone? Call us today!

Absolutely not. But we guarantee you will be impressed with the options we provide. Find a better solution without us, we will give you $500 just to stopping by!

Due to the sheer volume of millions of dollars being funded with over 40 banks, credit unions and monoline lenders.  Combined with out efficiency; they trust us.  Thus, we receive preferential discounted rates that we pass on to you.

Mortgage Solutions


No idea where to start? That’s where we come in. Mortgage qualifying is a complex endeavour in today’s world.

Pre Approve yourself in 2 minutes.

First Time Home Buyer

The mortgage industry and policy changes frequently. There is not such thing as a dumb question. Schedule a consultation with one of our brokers and ask us where to being. For free.

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Investment Properties

Real Estate investing can provide short term cash flow solutions; with long term investment growth.

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Mortgage Refinancing

Looking to renovate?  Has a life event happened? Or maybe you found a solid investment?  Put your equity to work for you.

Options Available

Mortgage Renewal

Should you simply renew with your current lender? Or should you Switch/Transfer. We know current market conditions to take the guessing game out of it.

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Self-Employed Mortgage

Self Employment is the backbone of the Canadian Economy. Let’s find you a mortgage product you deserve.


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Bruised Credit Mortgage

Life can throw us unforeseen circumstances. But if you have strong cash savings, or strong equity. We will show you exciting options to get your feet back on the ground.

We can help.

New To Canada Mortgage

It can be tough to get credit established when you are New To Canada. We offer special programs sponsored by CMHC Canada and National Banks to get you approved well before your credit has been established.

Let’s Talk.

Vacation & Cottage Mortgage

Make your dreams a reality. We will secure you financing for the other place… you call home away from home.

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Contact Us Your Way.

Contact Us Your Way.

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Certified. Compliant. Ethical.

I go beyond the minimum requirements of British Columbia Law.  Certified to protect your interest.


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