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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 vs variable mortgage rates

Compare the trade-offs and decide which rate type fits your plan.

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How to read these rates

Choosing between fixed and variable rates depends on your timeline, risk tolerance, and cash flow stability.

Use the rate explorer and the rate comparison calculator to model both paths.

Compare rates in the explorer

Use the live rate explorer to filter by term, rate type, and scenario details.

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Highlights

  • Side-by-side comparison of stability vs flexibility.
  • Use calculators to stress test both options.
  • Create a free account to save the comparison.

Related links

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Save and compare rates

Create a free account to save this scenario, compare offers, and start a secure application.

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Frequently asked questions

Is a lower rate always better?

Not always. Penalties and features can change the real cost.

Can I hedge with a hybrid mortgage?

Yes. Some borrowers split a mortgage into fixed and variable portions.