With Canadian Mortgage Rates this low…

We offer the lowest Canadian Mortgage Rates available.  How do we do it? It’s quite simple really.  Due the sheer volume of mortgage transactions we send to banks and lenders in Canada, the banks provide us discounted rates.  Thus, we pass on these discounted mortgage rates to you!  It’s a win-win for everyone involved.


Featured Canadian Mortgage Rate

Custom Canadian mortgage rates for your specific needs.



Be cautious searching for the lowest mortgage rates online. Learn about mortgage products that could cost you more money in the long term. We will help save you thousands in your home ownership journey.

Reliable Canadian Mortgage Rates

Canadian Mortgage rates are at the lowest they’ve been in years. Contact us today to get the best mortgage rates and tips for saving thousands of dollars. Whether you are purchasing a new home, looking to renew your mortgage or transfer it, refinance to consolidate or renovate, our experience and knowledge will help you avoid overpaying in interest costs, or penalty formulas that banks do not advertise clearly to you.

Check out our weekly blog for more money-saving tips and tools from Canada’s #1 site for mortgage rates. For peace of mind before – and after – you buy, choose Pragmatic Lending.

Canadian Mortgage Rates Lowest

Researching Canadian Mortgage Rates

The internet has become a powerful and reliable tool to research Canadian mortgage rates and lender options.  But it requires a professional to read and understand the fine print of each lenders product offering.  Why spend hours in researching Canadian mortgage rate options, only to discover afterwards that the Interest Rate Differential calculation is extreme, or there is a Bona-Fide Sales Clause, or another bank offered a lower rate and better pre-payment privileges.  As your Kelowna Mortgage Broker, our consultation and representation is free of charge!  How is that possible you may ask?  It’s very simple. We are paid directly by the banks a commission for representing you.  Think of it this way:  If you walked in to a local bank today, a banking officer will work on your application who also earns a commission.  Ask yourself:  Why would you work with a banking officer who represents one Bank,  when you could work with a Broker who represents you; and works to get you the best product at whichever lender if the best fit?