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Paragon Pragmatic Lending

1915 Foxtail Terrace, Kelowna BC V1P 1T9

BCFSA Brokerage License X301089

(778) 557-2144
info@pragmatic.mortgage

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Copyright 2026 - All rights reserved. Paragon Pragmatic Lending.

Information is general and not legal, tax, or investment advice. Strategies like the Smith Manoeuvre (Maneuver) and cash or rental damming involve risk. Consult a qualified tax professional.

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Shortcuts to the most used calculators.

6 picks

PaymentsPopular

Payment Estimator

See mortgage payment by rate, term, amortization and frequency.

PurchasePopular

Affordability (Max Purchase)

GDS/TDS-driven max price, stress-tested.

Gov & TaxesPopular

Property Transfer Duties (Canada)

Province/municipality land transfer taxes + first-time rebates.

RefinancePopular

Refinance Analyzer

Payment change, savings, penalty, and breakeven timeline.

QualificationPopular

Stress Test Qualifier

OSFI MQR or contract+buffer; insured/uninsured forks.

PurchasePopular

Minimum Down Payment

Tiered rules, >$1M uninsured handling; interacts with premium.

All calculators

25 results

Purchase

Everything for buying a home and budgeting cash to close.

4

PurchasePopular

Affordability (Max Purchase)

GDS/TDS-driven max price, stress-tested.

Also covers: Qualification

Closing Costs

Line-item legal, title, appraisal, tax adjustments by province.

PurchasePopular

Minimum Down Payment

Tiered rules, >$1M uninsured handling; interacts with premium.

Also covers: Qualification

PurchasePopular

Cash Needed to Close

DP, PTT, premiums, taxes and adjustments waterfall.

Qualification

Stress test, max purchase and debt ratio tooling.

3

Income Qualifier

Max qualifying amount from income & debts.

Debt Service (GDS/TDS)

Full ratio breakdown with policy toggles.

QualificationPopular

Stress Test Qualifier

OSFI MQR or contract+buffer; insured/uninsured forks.

Also covers: Renewal, Purchase

Payments

Model amortization, trigger points and prepayments.

6

PaymentsPopular

Payment Estimator

See mortgage payment by rate, term, amortization and frequency.

Also covers: Purchase, Renewal

Amortization

Balance, interest vs principal, exportable schedule.

Also covers: Renewal

Amortization Compare

Side-by-side amortization scenarios with charts.

Also covers: Rates

Prepayment Impact

One-time and recurring prepayments—interest saved and years shaved.

Also covers: Renewal

Prepayment Penalty Estimator

3-month interest vs IRD with posted/discounted logic.

Trigger Rate & Point

VRM survivability and negative amortization guard.

Rates

Rate comparisons and forward-looking scenarios.

2

Fixed vs Variable

Sensitivity bands and expected prime path.

Rate Comparison (True Cost)

Show nominal vs true cost, audit cashback promos, and surface the PV discount math.

Also covers: Purchase, Renewal

Gov & Taxes

Land transfer duties, insurer premiums and rebates.

3

Insurer Premium

CMHC/Sagen/CG premiums, capitalization, PST where applicable.

Also covers: Purchase

Gov & TaxesPopular

Property Transfer Duties (Canada)

Province/municipality land transfer taxes + first-time rebates.

Also covers: Purchase

BC Property Transfer Tax

BC PTT + overlays (e.g., luxury brackets), FTHB flags.

Also covers: Purchase

Refinance

Analyze blends, savings and breakeven timelines.

2

RefinancePopular

Refinance Analyzer

Payment change, savings, penalty, and breakeven timeline.

Also covers: Renewal, Rates

Refi Breakeven

How many months until you recoup refi costs?

Also covers: Renewal

Renewal

Compare renewal offers and plan for payment shock.

1

Renewal Compare

Offers vs market; payment shock forecast.

Investment

Rental dimming, DSCR and investor-first worksheets.

2

Rental Income Qualifier

Offset vs Add-back, vacancy & expense shading ('dimming').

DSCR / NOI

Debt Service Coverage at property and portfolio levels.

HELOC / Smith

Blend HELOCs and Smith Manoeuvre tracking.

2

HELOC Payment & Interest

Interest-only vs amortized options, prime-linked.

Smith Manoeuvre

Deductible tracking, capitalize interest (optional), exports.

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