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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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Pragmatic Mortgage services

Licensed advice, transparent rates, and compliance-first automation for every stage of the mortgage journey.

Whether you are buying, renewing, refinancing, or planning advanced strategies, each service layers the same foundation: secure digital intake, licensed Broker team guidance, and a dashboard that keeps every document and decision in one place.

Purchase mortgages

Structure down payment, incentives, and closing plans for your next home.

First-time buyer mortgages

Navigate 5% down, insurance premiums, and tax credits with transparent coaching.

Mortgage renewals

Hold rates early and automate reminders 6/4/3/1 months out.

Mortgage refinancing

Model penalties, consolidate debt, or unlock equity with confidence.

Investment property mortgages

Optimize rental cashflows, DSCR, and tax strategies like rental damming.

HELOC and readvanceable strategies

Blend borrowing with payoff planning, Smith Manoeuvre options included.

Self-employed mortgages

Self-employed underwriting with clear income documentation.

New to Canada mortgages

Programs for newcomers with international income and limited Canadian credit history.

Bad credit mortgage options

Strategic paths for rebuilding credit while securing housing.

Divorce and separation mortgages

Navigate buyouts, title changes, and refinancing after separation.

Debt consolidation mortgages

Combine high-interest debt into a single, lower payment with a clear plan.

New construction mortgages

Plan progress draws, builder timelines, and completion risk.