# Pragmatic Mortgage
Canonical: https://pragmatic.mortgage
Updated: 2026-02-28T00:36:37.109Z
## Primary pages
- Home: https://pragmatic.mortgage/
- Rates: https://pragmatic.mortgage/rates
- Calculators: https://pragmatic.mortgage/calculators
- Mortgage Hub: https://pragmatic.mortgage/hub
- FAQ: https://pragmatic.mortgage/faq
- Newsroom: https://pragmatic.mortgage/news
- Services: https://pragmatic.mortgage/services
- Products: https://pragmatic.mortgage/products
- Alternatives: https://pragmatic.mortgage/alternatives
- Compare: https://pragmatic.mortgage/compare
- Mortgage Broker Locations: https://pragmatic.mortgage/mortgage-broker
## Crawl endpoints
- Sitemap: https://pragmatic.mortgage/sitemap.xml
- Robots: https://pragmatic.mortgage/robots.txt
- AI content index: https://pragmatic.mortgage/ai/site.json
## Services
- Bad credit mortgage service in Canada (2026): approval reality, lender paths, and your plan back to prime: https://pragmatic.mortgage/services/bad-credit
- Bridge financing service in Canada (2026): timeline checklist, qualification rules, and backup funding strategy: https://pragmatic.mortgage/services/bridge-financing
- Debt consolidation mortgages: https://pragmatic.mortgage/services/debt-consolidation
- Divorce and separation mortgage service in Canada (2026): buyout planning, refinance strategy, and title-transition support: https://pragmatic.mortgage/services/divorce-separation
- First-time home buyer mortgage service in Canada (2026): broker-led pre-approval, down payment, and closing strategy: https://pragmatic.mortgage/services/first-time-buyer
- Investment property mortgage service in Canada: rental readiness, DSCR checklist, and lender-path strategy: https://pragmatic.mortgage/services/investment-properties
- Mortgage pre-approval service in Canada: document checklist, borrower-type prep, and underwriting readiness: https://pragmatic.mortgage/services/pre-approval
- Mortgage refinance service in Canada: break-even, penalties, and IRD decisions: https://pragmatic.mortgage/services/refinance
- Mortgage renewal service in Canada: renew vs switch, stress-test planning, and negotiation scripts: https://pragmatic.mortgage/services/renewal
- New construction mortgage service in Canada (2026): draw planning, delay contingencies, and lender-fit execution: https://pragmatic.mortgage/services/new-construction
- New to Canada mortgage service in Canada (2026): lender-ready planning for newcomers with limited Canadian credit: https://pragmatic.mortgage/services/new-to-canada
- Purchase mortgage service in Canada (2026): pre-approval, offer strategy, and closing execution: https://pragmatic.mortgage/services/purchase
- Self-employed mortgage service in Canada (2026): lender-ready approval planning for business owners and contractors: https://pragmatic.mortgage/services/self-employed
## Products
- Assumable mortgage in Canada (2026): rules, qualification steps, and total-cost checklist: https://pragmatic.mortgage/products/assumable
- Cashback mortgage in Canada (2026): real cost math, clawback risk, and who this product fits: https://pragmatic.mortgage/products/cashback
- Collateral charge mortgages in Canada (2026): flexibility upside, switch costs, and safer decision rules: https://pragmatic.mortgage/products/collateral-charge
- Fixed mortgage in Canada (2026): payment certainty, penalty risk, and who this product fits best: https://pragmatic.mortgage/products/fixed
- HELOC in Canada (2026): limits, rates, and a repayment strategy that holds up: https://pragmatic.mortgage/products/heloc
- Hybrid mortgage in Canada (2026): split strategy, penalty reality, and borrower fit: https://pragmatic.mortgage/products/hybrid
- Insured vs insurable vs uninsured mortgages in Canada: rates, premiums, and decision checklist: https://pragmatic.mortgage/products/insured
- Interest-only mortgages in Canada (2026): when they fit, what they cost, and safer alternatives: https://pragmatic.mortgage/products/interest-only
- Open vs closed mortgage in Canada (2026): flexibility, penalties, and the right fit: https://pragmatic.mortgage/products/open-vs-closed
- Portable mortgage in Canada (2026): porting rules, timelines, and penalty-saving strategy: https://pragmatic.mortgage/products/portable
- Private mortgages in Canada (2026): qualification, total cost, and smart exit planning: https://pragmatic.mortgage/products/private
- Purchase Plus Improvements mortgages in Canada: rate, total cost, and renovation planning: https://pragmatic.mortgage/products/purchase-plus-improvements
- Reverse mortgage in Canada: retirement cash-flow planning, cost tradeoffs, and HELOC comparison: https://pragmatic.mortgage/products/reverse-mortgage
- Second mortgage in Canada (2026): costs, qualification rules, and second mortgage vs refinance decisions: https://pragmatic.mortgage/products/second
- Specialty mortgage programs in Canada (2026): newcomer, self-employed, and Alt-A approval paths: https://pragmatic.mortgage/products/specialty
- Variable mortgage in Canada (2026): payment behavior, trigger risk, and who this product fits: https://pragmatic.mortgage/products/variable
## Hub guides
- Closing costs checklist in Canada (2026): real cash-to-close math, province differences, and a no-surprise plan: https://pragmatic.mortgage/hub/closing-costs-checklist
- CMHC vs Sagen vs Canada Guaranty in 2026: what actually changes your approval and cost: https://pragmatic.mortgage/hub/cmhc-vs-sagen-vs-canada-guaranty
- Credit score basics for mortgages in Canada: what lenders actually look at: https://pragmatic.mortgage/hub/credit-score-basics
- Deposit loans in Canada (2026): bridge financing, qualification reality, and safer alternatives before closing: https://pragmatic.mortgage/hub/deposit-loans
- DSCR explained for Canadian rental mortgages (2026): how lenders test cash flow before approval: https://pragmatic.mortgage/hub/dscr-explained
- FHSA in Canada (2026): first home savings account strategy, limits, and mistakes to avoid: https://pragmatic.mortgage/hub/fhsa-first-home-savings-account
- First-time home buyer guide in Canada (2026): down payment, approval strategy, and closing with confidence: https://pragmatic.mortgage/hub/first-time-home-buyer-guide
- Fixed vs variable mortgage in Canada (2026): which strategy actually fits your budget risk?: https://pragmatic.mortgage/hub/fixed-vs-variable
- How mortgage rates work in Canada (2026): what moves your rate and what you can control: https://pragmatic.mortgage/hub/how-rates-work
- How to buy a home in Canada (2026): step-by-step plan from budget to keys: https://pragmatic.mortgage/hub/how-to-buy-a-home-in-canada
- How to negotiate your mortgage renewal in Canada (2026): scripts, strategy, and timing: https://pragmatic.mortgage/hub/how-to-negotiate-renewal
- Minimum down payment in Canada (2026): rules, insured thresholds, and cash-to-close strategy: https://pragmatic.mortgage/hub/down-payment-in-canada
- Mortgage default insurance explained in Canada (2026): rules, premiums, and smarter alternatives: https://pragmatic.mortgage/hub/default-insurance-explained
- Mortgage documents checklist for Canada (2026): what lenders need and how to avoid delays: https://pragmatic.mortgage/hub/documents-checklist
- Mortgage penalties and IRD explained in Canada (2026): formulas, lender differences, and break-even decisions: https://pragmatic.mortgage/hub/penalties-ird-explained
- Mortgage pre-approval guide for Canada (2026): documents, stress test, and approval strategy: https://pragmatic.mortgage/hub/pre-approval-guide
- Mortgage pre-approval in Canada: the checklist to finish before you write offers: https://pragmatic.mortgage/hub/pre-approval
- Mortgage refinance in Canada: break-even math, penalties, and smart cash-out strategy: https://pragmatic.mortgage/hub/mortgage-refinance
## FAQs
- Bona fide sale clause in Canada (2026): low-rate tradeoffs, exit limits, and a 72-hour decision checklist: https://pragmatic.mortgage/faq/bona-fide-sale-clause
- Mortgage broker fees in Canada (2026): what you may pay, when fees apply, and broker vs bank cost checks: https://pragmatic.mortgage/faq/mortgage-broker-fees
- Mortgage prepayment privileges in Canada (2026): limits, penalty traps, and a 7-step payoff playbook: https://pragmatic.mortgage/faq/what-are-mortgage-pre-payment-privileges
- Non-arm's-length mortgage transactions in Canada (2026): rules, family purchase checklist, and approval risks: https://pragmatic.mortgage/faq/non-arms-length-transaction
- Renting vs buying in Canada (2026): break-even guide, decision scorecard, and 90-day action plan: https://pragmatic.mortgage/faq/renting-vs-buying-what-is-right-for-me
## Newsroom
- Smith Manoeuvre readiness checklist (Canada 2026): 10 controls before your first leveraged draw: https://pragmatic.mortgage/news/smith-manoeuvre-readiness-checklist-canada-2026
- Best RRSP Home Buyers Plan alternatives in Canada (2026): when HBP is not your best move: https://pragmatic.mortgage/news/rrsp-home-buyers-plan-alternatives-canada-2026
- FHSA vs RRSP vs TFSA for first home savings (2026): which stack wins in Canada?: https://pragmatic.mortgage/news/fhsa-vs-rrsp-vs-tfsa-first-home-2026
- How to buy a home in Canada: 21-day offer readiness plan (2026): https://pragmatic.mortgage/news/how-to-buy-a-home-in-canada-offer-readiness-plan-2026
- First-time home buyer cash-to-close playbook (2026): 60-day offer readiness plan: https://pragmatic.mortgage/news/first-time-home-buyer-cash-to-close-playbook-2026
- Minimum down payment cash-to-close playbook (2026): 45-day plan for Canadian buyers: https://pragmatic.mortgage/news/minimum-down-payment-cash-to-close-playbook-2026
- Closing costs cash-to-close checklist (2026): 30-day plan before possession: https://pragmatic.mortgage/news/closing-costs-cash-to-close-checklist-2026
- Bank of Canada rate announcement checklist (2026): what mortgage borrowers should do each cycle: https://pragmatic.mortgage/news/bank-of-canada-rate-announcement-checklist-2026
- Prime rate update (February 2026): variable-mortgage playbook for Canadian borrowers: https://pragmatic.mortgage/news/prime-rate-update-variable-mortgage-playbook-2026
- Mortgage Deselection: Navigating Economic Uncertainties: https://pragmatic.mortgage/news/mortgage-deselection
- Mortgage stress test in Canada (2026): current rules, key exemptions, and smart qualification strategy: https://pragmatic.mortgage/news/mortgage-stress-test-canada
- Housing affordability is a significant issue in Canada.  Let’s fix it.: https://pragmatic.mortgage/news/housing-affordability-canada-lets-fix-it
- Pros and Cons of cosigning a loan for family or friends?: https://pragmatic.mortgage/news/impact-of-cosigning-a-loan
- What is a Goldilocks community, and why is this density “just right”?: https://pragmatic.mortgage/news/goldilocks-density-just-right
- Understanding the Appraisal Process: Why Some Transactions Require an Appraisal and Others Don’t: https://pragmatic.mortgage/news/understanding-the-appraisal-process
- The History of the Canadian Banking System History and How It Works Today.: https://pragmatic.mortgage/news/canadian-banking-system-history
- Canada’s 6.3% Inflation: Gas Prices Fall, Grocery Prices Rise.: https://pragmatic.mortgage/news/canadas-6-3-inflation-dec-2022
- The Bank of Canada has announced its schedule for interest rate announcements in 2023.: https://pragmatic.mortgage/news/bank-of-canada-interest-rate-announcements-in-2023
## Competitor alternatives
- Homewise Alternative: https://pragmatic.mortgage/alternatives/homewise
- LowestRates.ca Alternative: https://pragmatic.mortgage/alternatives/lowestrates
- nesto Alternative: https://pragmatic.mortgage/alternatives/nesto
- Ratehub Alternative: https://pragmatic.mortgage/alternatives/ratehub
- True North Mortgage Alternative: https://pragmatic.mortgage/alternatives/true-north-mortgage
- WOWA Alternative: https://pragmatic.mortgage/alternatives/wowa
## Competitor comparisons
- nesto vs WOWA: https://pragmatic.mortgage/compare/nesto-vs-wowa
- Ratehub vs nesto: https://pragmatic.mortgage/compare/ratehub-vs-nesto
- Ratehub vs WOWA: https://pragmatic.mortgage/compare/ratehub-vs-wowa
## GEO city pages (BC/AB)
- Abbotsford Mortgage Broker: https://pragmatic.mortgage/mortgage-broker/bc/abbotsford
- Burnaby Mortgage Broker: https://pragmatic.mortgage/mortgage-broker/bc/burnaby
- Calgary Mortgage Broker: https://pragmatic.mortgage/mortgage-broker/ab/calgary
- Castlegar Mortgage Broker: https://pragmatic.mortgage/mortgage-broker/bc/castlegar
- Chilliwack Mortgage Broker: https://pragmatic.mortgage/mortgage-broker/bc/chilliwack
- Coquitlam Mortgage Broker: https://pragmatic.mortgage/mortgage-broker/bc/coquitlam
- Delta Mortgage Broker: https://pragmatic.mortgage/mortgage-broker/bc/delta
- Edmonton Mortgage Broker: https://pragmatic.mortgage/mortgage-broker/ab/edmonton
- Grand Forks Mortgage Broker: https://pragmatic.mortgage/mortgage-broker/bc/grand-forks
- Kamloops Mortgage Broker: https://pragmatic.mortgage/mortgage-broker/bc/kamloops
- Kelowna Mortgage Broker: https://pragmatic.mortgage/mortgage-broker/bc/kelowna
- Langley Mortgage Broker: https://pragmatic.mortgage/mortgage-broker/bc/langley
- Maple Ridge Mortgage Broker: https://pragmatic.mortgage/mortgage-broker/bc/maple-ridge
- Mission Mortgage Broker: https://pragmatic.mortgage/mortgage-broker/bc/mission
- New Westminster Mortgage Broker: https://pragmatic.mortgage/mortgage-broker/bc/new-westminster
- North Vancouver Mortgage Broker: https://pragmatic.mortgage/mortgage-broker/bc/north-vancouver
- Penticton Mortgage Broker: https://pragmatic.mortgage/mortgage-broker/bc/penticton
- Pitt Meadows Mortgage Broker: https://pragmatic.mortgage/mortgage-broker/bc/pitt-meadows
## Calculators
- Payment Estimator: https://pragmatic.mortgage/calculators/payment
- Amortization: https://pragmatic.mortgage/calculators/amortization
- Amortization Compare: https://pragmatic.mortgage/calculators/amortization-compare
- Prepayment Impact: https://pragmatic.mortgage/calculators/prepayment-impact
- Affordability (Max Purchase): https://pragmatic.mortgage/calculators/affordability
- Income Qualifier: https://pragmatic.mortgage/calculators/income-qualifier
- Debt Service (GDS/TDS): https://pragmatic.mortgage/calculators/debt-service
- Insurer Premium: https://pragmatic.mortgage/calculators/insurer-premium
- Closing Costs: https://pragmatic.mortgage/calculators/closing-costs
- Property Transfer Duties (Canada): https://pragmatic.mortgage/calculators/ptt-canada
- BC Property Transfer Tax: https://pragmatic.mortgage/calculators/ptt-bc
- Refinance Analyzer: https://pragmatic.mortgage/calculators/refinance-analyzer
- Refi Breakeven: https://pragmatic.mortgage/calculators/refi-breakeven
- Stress Test Qualifier: https://pragmatic.mortgage/calculators/stress-test
- Minimum Down Payment: https://pragmatic.mortgage/calculators/minimum-down-payment
- Cash Needed to Close: https://pragmatic.mortgage/calculators/cash-to-close
- Renewal Compare: https://pragmatic.mortgage/calculators/renewal-compare
- Prepayment Penalty Estimator: https://pragmatic.mortgage/calculators/penalty-estimator
## Page overrides
## Contact and trust
- Contact: https://pragmatic.mortgage/contact
- Brokers: https://pragmatic.mortgage/brokers
- Licenses: https://pragmatic.mortgage/licenses
- Security: https://pragmatic.mortgage/security
- Editorial policy: https://pragmatic.mortgage/editorial-policy