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Paragon Pragmatic Lending
1915 Foxtail Terrace, Kelowna BC V1P 1T9
BCFSA Brokerage License X301089
(778) 557-2144
[email protected]

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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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FAQ

Answers to common mortgage questions.

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Quick answers for common borrower questions, curated and updated by the Broker team.

Bona Fide Sale Clause Mortgage & Reasons to avoid it.

FAQ

Bona Fide Sale Clause Mortgage & Reasons to avoid it.

Updated 2024-01-21

What is a Bona Fide Sale Clause? A Bona Fide Sale Clause is a contractual restriction in mortgage agreements that essentially binds the borrower to the lender for the entire dur...

How much are Mortgage Broker Fees?

FAQ

How much are Mortgage Broker Fees?

Updated 2023-12-29

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...

Insured Vs Uninsured Mortgage Rates. Whats the Difference?

FAQ

Insured Vs Uninsured Mortgage Rates. Whats the Difference?

Updated 2023-12-29

Insured Vs Uninsured Mortgage Rates. Whats the Difference? The internet is a fantastic shopping tool. Allowing us to source the most competitive and affordable products needed....

Master the Interest Rate Differential (IRD): How to Calculate IRD Penalty 3 different ways

FAQ

Master the Interest Rate Differential (IRD): How to Calculate IRD Penalty 3 different ways

Updated 2024-05-21

The Mortgage IRD Interest Rate Differential Definition What is an Interest Rate Differential (IRD)? Interest Rate Differential, often abbreviated as IRD, is a crucial financial...

Mortgage Document Checklist

FAQ

Mortgage Document Checklist

Updated 2025-05-27

Mortgage Document Checklist We offer 2 options to send us important documents that all banks require to obtain your approval. This next step allows you to upload your confidenti...

Mortgage Penalty Calculators

FAQ

Mortgage Penalty Calculators

Updated 2023-12-29

The most accurate way to calculate a mortgage payout penalty. Click on your bank to calculate the penalty to break your mortgage early. ScotiabankTD BankRoyal BankBMOCIBCCoast C...

Renting Vs Buying. What is right for me?

FAQ

Renting Vs Buying. What is right for me?

Updated 2024-01-21

Renting vs Buying. Can we equate apples and oranges? I love the viewpoints on this topic. And have always found it so interesting that people think comparing apples to oranges i...

What are Mortgage Pre-Payment Privileges?

FAQ

What are Mortgage Pre-Payment Privileges?

Updated 2024-01-15

Mortgage Pre-Payment Privileges allow you to pay down the principle of your mortgage penalty free! Every lender is different. Some lenders have “cheaper” rate options, but only...

What is a Non Arm’s Length Transaction?

FAQ

What is a Non Arm’s Length Transaction?

Updated 2024-01-21

Understanding Non Arm’s Length Transactions A non arm’s length transaction in real estate refers to a situation where the buyer and seller have a pre-existing relationship. This...

What is Refinance Mortgage?

FAQ

What is Refinance Mortgage?

Updated 2025-05-27

What is a Refinance Mortgage mean for you? Refinancing is a strategy where homeowners replace their existing mortgage with a new one. This change typically comes with different...

What Makes Up Your Credit Score?

FAQ

What Makes Up Your Credit Score?

Updated 2024-01-03

What Makes Up Your Credit Score? The algorithm for calculating your Equifax / Transunion Credit Score can be rather mind boggling. However, it’s actually quite simple what impac...

Why don’t I just borrow money for my renovation from a separate source?

FAQ

Why don’t I just borrow money for my renovation from a separate source?

Updated 2022-01-27

You can and more then welcome too. However the benefit of the Purchase Plus Improvements mortgage is you get an incredibly low mortgage rate PLUS a low renovation loan “All in O...

Why is the purchase plus improvements mortgage rate lower then typical?

FAQ

Why is the purchase plus improvements mortgage rate lower then typical?

Updated 2022-01-27

Good Question. Because of our buying power as a licensed Mortgage Broker through the super broker network Verico Finex Lending. We are offered very low interest rates. But on to...