5% down purchase
High-ratio insured for owner-occupied homes under $1.5M.
Payoff-first mortgage planning
Mortgage Planning built for Mortgage Freedom.
Compare live Canadian rates, run real scenarios, and call, text, or book a secure consult with a licensed broker team when you want a file-specific recommendation.
Get a clear recommendation before you apply
Talk to the broker team by phone, text, or secure video. No pressure, no app install, and no account required to book.
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.
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
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.
01
Transparent rate intelligence
See insured, insurable, and conventional pricing with lender notes in one view.
02
Scenario-first calculators
Payment, affordability, and refinance tools that sync into your account.
03
Licensed broker guidance
Chat securely and receive compliant, documented advice when it matters.
04
Secure document hub
PDF-only uploads, audit-ready tracking, and row-level security on every table.
05
Renewal orchestration
Automated reminders and comparison workflows built to avoid auto-renew traps.
06
Compliance-first workflows
Every consent, document, and chat action is logged for regulatory clarity.
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.
- Secure document intake with audit-ready tracking
- Shared scenarios, tasks, and broker notes in one place
- Renewal reminders so you never miss a better rate
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.
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.
OpenFree tools
Mortgage calculators
Payments, affordability, stress test, and cash-to-close modelling.
OpenAutomation
Renewal reminders
Start 6 months early so you keep leverage and avoid rushed decisions.
OpenBroker team
Broker matching
Find a broker by region, language, and specialty, then book a consult.
OpenMortgage 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 CanadaGuide
Mortgage Pre-Approval Guide (Canada)
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
First-time home buyer guide in Canada
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
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 callStep 2
Plan
Use our calculators to model affordability, payments, prepayment impact, and rental cashflows. We double-check everything for compliance.
Use calculatorsStep 3
Rate lock
Secure transparent pricing tailored to insured, insurable, or uninsured scenarios with prepayment privileges spelled out.
Secure my rateStep 4
Underwriting
Upload documents in the dashboard, track conditions, and get proactive guidance on risks like rental damming or bridge financing.
Create free accountStep 5
Close
Coordinate lawyers, insurers, and lenders. We structure completion funds, rate holds, and renewals so there are zero surprises.
See servicesStep 6
Paydown strategy
Automate prepayments, monitor trigger rates, and run annual payoff reviews so you clear the mortgage faster and stay CASL-compliant.
Save my planLocal 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.
Kelowna Mortgage Office
1915 Foxtail Terrace, Kelowna, BC V1P 1T9
Local office support with secure remote planning for borrowers across BC.
Surrey Advisory Studio
15350 34 Ave Suite 301, Surrey, BC V3S 0L9
Local office support with secure remote planning for borrowers across BC.
Calgary Planning Lab
517 10 Ave SW, Calgary, AB T2R 0A8
Local office support with secure remote planning for borrowers across AB.
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.