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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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Search Pragmatic Mortgage

Find tools, guides, or services.

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.

Fixed-rate mortgages

Lock in predictable payments with clear prepayment privileges.

Variable-rate mortgages

Ride the Bank of Canada cycle with trigger-rate monitoring built in.

Hybrid or split mortgages

Blend fixed and variable terms for a balance of stability and flexibility.

HELOC

Access revolving credit for renovations, investments, or cash-flow smoothing.

Readvanceable mortgages

Pair amortizing and revolving portions for advanced payoff strategies.

Cashback mortgages

Receive funds upfront for closing costs or renovations with clear trade-offs.

Specialty mortgage programs

Newcomer, self-employed, and alt-A solutions with transparent underwriting notes.

Open vs closed mortgages

Compare flexibility, penalties, and who each structure fits.

Insured mortgages

High-ratio mortgages with default insurance premiums.

Conventional mortgages

Uninsured mortgages with 20% down or more.

Portable mortgages

Move your mortgage when you move homes, with rules and timing to follow.

Assumable mortgages

When a buyer can take over an existing mortgage and what to watch for.

Interest-only mortgages

Low initial payments with higher long-term considerations.

Second mortgages

Access equity with a second charge when refinancing is not ideal.

Private mortgages

Short-term financing when traditional lenders cannot help.

Bridge financing

Short-term funding to close a purchase before your sale completes.