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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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Variable-rate mortgages

Prime-based pricing with flexibility and trigger-rate monitoring.

Flexibility with rate awareness

Variable-rate mortgages move with prime. They can save money but require tolerance for changes.

We monitor trigger rates and provide stress-test scenarios so you stay prepared.

Typical use cases

  • Borrowers who can handle payment variability.
  • Shorter time horizons or expected rate cuts.
  • Clients who want lower penalties for early exits.

Considerations

  • Rates can rise quickly.
  • Trigger rates may increase payments or extend amortization.

Helpful tools

Model prime changes and payment impact.

  • Trigger rate calculator
  • Rate comparison
  • Variable rates

Representative rates

Frequently asked questions

Do payments always change with prime?

Some lenders keep payments fixed and adjust amortization instead.

Is variable cheaper than fixed?

Not always. Compare total cost over your planned horizon.

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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