Pragmatic Mortgage lets you compare rates by the exact scenario that lenders use: transaction type, occupancy, down payment, amortization, and term.
Browse freely, then create a free account to save scenarios, set alerts, and start a secure application when you are ready.
Research shortcuts
Compare live rates here, then jump straight into the calculators and guides that answer the next decision.
Affordability check
Model income, debts, and stress-test room before you narrow lender options.
Minimum down payment
Confirm the minimum cash requirement before you compare high-ratio and conventional pricing.
First-time buyer guide
Review down payment rules, closing costs, and program basics without leaving the research flow.
Closing costs checklist
Plan the extra cash-to-close items that change the real affordability picture.
Save and compare rates
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Rates update as lenders publish new pricing. Cards show effective dates and key policy notes.
Down payment size, occupancy, amortization, term, and whether the mortgage is insured all change pricing.
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APR (Annual Percentage Rate) is set by the lender and appears in their cost-of-borrowing disclosure. Pragmatic's effective rate and total-cost estimates include broker-paid rebates for comparison only and do not replace the lender's APR.
