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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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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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Cashback mortgages

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

Short-term cash, long-term trade-offs

Cashback mortgages provide funds at closing, but usually come with higher rates or longer commitments.

When they help

  • Covering closing costs
  • Bridge funding for renovations

Considerations

  • Higher rates
  • Potential clawbacks if you break early

Representative rates

Frequently asked questions

Is cashback free money?

No. It is built into rate pricing and often requires a minimum term.

Can I repay the cashback early?

Breaking the mortgage can trigger clawbacks. Review the contract carefully.

Next step

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Information is general and not legal, tax, or investment advice. Review lender policies and contract terms before selecting a product.

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