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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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Fixed-rate mortgages

Predictable payments with clear prepayment options and lock-in periods.

Why fixed still matters

Fixed-rate terms lock your payment and interest rate for the entire period.

We show the trade-offs between 1- through 10-year terms so you can balance stability and flexibility.

Typical use cases

  • Borrowers who want payment certainty.
  • Households planning around stable budgets.
  • Clients who value protection from rising rates.

Considerations

  • Breaking early can trigger IRD penalties.
  • Less flexibility to benefit from falling rates.

Helpful tools

Compare fixed terms and penalties before committing.

  • Rate comparison
  • Penalty estimator
  • Fixed rates

Representative rates

Frequently asked questions

Is a fixed rate always safer?

It reduces rate risk but may cost more if rates fall. Compare both paths.

Can I break a fixed mortgage early?

Yes, but penalties can be significant. We estimate them before you decide.

Next step

Ready when you are

Hold a rate, book time with the Broker team, or jump straight into the secure dashboard.

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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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