Mortgage products
Understand the pros, cons, and typical use cases for every Pragmatic-approved product.
Each product page includes rate context, risk notes, and calculators so you can compare options within minutes. We use the same data in the dashboard so your broker team can align advice with your plan.
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Assumable mortgage in Canada (2026): rules, qualification steps, and total-cost checklist
A practical guide to assumable mortgages in Canada, including lender approval, buyer qualification, cost tradeoffs, and clear alternatives when assumption is not the best path.
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Cashback mortgage in Canada (2026): real cost math, clawback risk, and who this product fits
A practical cashback-mortgage product guide for Canadian borrowers: understand true cost versus lower-rate alternatives, clawback risk, and when cashback improves your plan.
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Collateral charge mortgages in Canada (2026): flexibility upside, switch costs, and safer decision rules
Understand collateral charge mortgages in Canada, when they help, when they create renewal friction, and how to compare total switch cost before you sign.
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Fixed mortgage in Canada (2026): payment certainty, penalty risk, and who this product fits best
A practical fixed-mortgage product guide for Canadian borrowers: when stability wins, where penalties hurt, and how to choose a term that matches real life.
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HELOC in Canada (2026): limits, rates, and a repayment strategy that holds up
Compare HELOC and readvanceable options in Canada, model payment risk, and build a draw-and-repay strategy before you borrow against home equity.
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Hybrid mortgage in Canada (2026): split structure, penalty math, and renewal control
A practical product guide to hybrid mortgages in Canada: how to set your fixed-variable split, manage break-cost risk, and choose a structure you can hold through rate volatility.
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Insured vs insurable vs uninsured mortgages in Canada: rates, premiums, and decision checklist
Compare insured, insurable, and uninsured mortgage paths with one total-cost framework covering premiums, rate positioning, qualification resilience, and closing certainty.
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Interest-only mortgages in Canada (2026): when they fit, what they cost, and safer alternatives
A practical guide to interest-only mortgage structures in Canada: where they appear, how payment math works, key risks, and how to build a clean exit plan before you sign.
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Open vs closed mortgage in Canada (2026): flexibility, penalties, and the right fit
Use this practical open-vs-closed mortgage guide to choose the right term structure for your timeline, penalty risk, and payment strategy.
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Portable mortgage in Canada (2026): porting rules, timelines, and penalty-saving strategy
A practical portable-mortgage guide for Canadian borrowers: learn how mortgage porting works, when it reduces break costs, and where port plans fail during a move.
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Private mortgages in Canada (2026): qualification, total cost, and smart exit planning
A practical guide to private mortgages in Canada: when they are useful, what they cost, how to reduce risk, and how to transition back to lower-cost lending.
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Purchase Plus Improvements mortgages in Canada: rate, total cost, and renovation planning
Compare Purchase Plus Improvements against personal loans and HELOCs with a risk-first framework for eligibility, holdbacks, total cost, and renovation timeline control.
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Reverse mortgage in Canada: retirement cash-flow planning, cost tradeoffs, and HELOC comparison
Compare reverse mortgages against HELOC alternatives using a retirement cash-flow framework that balances payment relief, compounding cost, and estate flexibility.
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Second mortgage in Canada (2026): costs, qualification rules, and second mortgage vs refinance decisions
A practical Canadian second-mortgage guide: when a second charge beats refinancing, how total cost is built, and the exact filters to choose HELOC, refinance, or second mortgage.
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Specialty mortgage programs in Canada (2026): newcomer, self-employed, and Alt-A approval paths
A practical specialty-mortgage product guide for Canadian borrowers who do not fit standard lender boxes: approval lanes, total-cost risk, and prime-exit planning.
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Variable mortgage in Canada (2026): payment behavior, trigger risk, and who this product fits
A practical variable-mortgage product guide for Canadian borrowers: understand payment structure, trigger mechanics, break-cost reality, and when variable is the right call.