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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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Hybrid or split mortgages

Blend fixed and variable terms for balance and flexibility.

A blended approach

Hybrid mortgages split your balance into fixed and variable portions. They can hedge risk while keeping some flexibility.

Who they fit

  • Borrowers who want partial rate protection.
  • Clients who prefer to hedge against rate swings.

Considerations

  • Multiple terms mean more complex renewal timing.
  • Prepayment rules vary by portion and lender.

Representative rates

Frequently asked questions

Can I customize the split?

Some lenders allow flexible splits. We compare options to match your goals.

Are hybrid rates higher?

Pricing varies. The blend can still reduce overall risk even if rates differ.

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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