Speak with a broker

We are the mortgage company that plans your payoff. Book a 15-minute consult and we will map your next step together.

Book 15-min consult
Paragon Pragmatic Lending
1915 Foxtail Terrace, Kelowna BC V1P 1T9
BCFSA Brokerage License X301089
(778) 557-2144
[email protected]

Follow

Explore
  • Rates
  • Calculators
  • Mortgage Hub
  • News
  • FAQ
  • Services
  • Products
  • Brokers
  • Locations
  • Reviews
Company
  • About
  • Team
  • Careers
  • Contact
Compliance
  • Terms
  • Privacy
  • Disclosures
  • Licenses
  • Complaints
  • Security
  • Accessibility
  • Editorial policy
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.
RobotsSitemapMortgage Hub
Pragmatic MortgagePragmatic Mortgage
  • Rates
  • Calculators
  • Mortgage Hub

    Categories

    • ServicesGuided mortgage solutions and planning.
    • ProductsMortgage structures for specific needs.
    • StrategiesPlaybooks and borrower education.
    • FAQAnswers to common mortgage questions.
  • News
  • Company
    • Broker directoryBrowse by region or specialty.
    • Book a consult15-minute planning call.
    • Secure chatAsk questions in our portal.
    • AboutOur mission and approach.
    • TeamMeet leadership and brokers.
    • CareersJoin the Broker team.
    • LocationsFind a local office.
Explore ratesCreate free account

Search Pragmatic Mortgage

Find tools, guides, or services.

HELOC rates

Compare HELOC pricing and readvanceable strategies.

Create free account

How to read these rates

HELOC pricing is tied to prime and lender-specific adjustments. Compare rates and understand borrowing limits.

Save + compare

Unlock the full rate workflow

Create a free account to save this scenario, compare multiple lenders, and request a rate hold.

  • Save rate tables for each property
  • Compare offers with calculator insights
  • Share scenarios securely with your broker team
Create free accountSign in

Need broker guidance?

Talk through qualification, documents, and lender turnaround times before you lock a rate.

Meet the Broker teamBook a consult

Highlights

  • Prime-based HELOC pricing with lender notes.
  • Useful for renovations and readvanceable strategies.
  • Save and compare options in the dashboard.

Related links

HELOC calculatorReadvanceable productHELOC service

Save and compare rates

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

Create free accountStart an application

Frequently asked questions

Is a HELOC rate different from a variable mortgage?

Yes. HELOCs are revolving credit lines and often have different pricing and repayment rules.

How much can I borrow on a HELOC?

It depends on your equity, lender policy, and property type.

Your scenario

Five quick inputs determine the right rate bucket automatically.

Amount
Amount
%

HELOCs are revolving and don’t use fixed terms.

HELOC rates follow the lender’s revolving line.

Don't have one? chat with one of our brokers to get one!

Adjust the scenario to see rates that match your constraints.