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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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Bad credit mortgage options

Strategic paths for rebuilding credit while securing housing.

A path back to prime lending

We evaluate alternative and private options only when necessary and map a clear path back to traditional lending.

Every step is documented for compliance and long-term success.

What to expect

  • Higher rates and fees in the short term.
  • Stricter documentation requirements.
  • A plan to improve credit and refinance later.

Helpful tools

Model affordability and debt ratios with conservative assumptions.

  • Debt service ratios
  • Affordability
  • Refinance analyzer

Frequently asked questions

Can I still get a mortgage with past collections?

Possibly. We review the full credit profile and lender policies.

How long before I can return to prime lenders?

It depends on your credit repair plan and payment history, often 12 to 24 months.

Are private mortgages safe?

They can be used strategically, but they require careful cost and exit planning.

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. Strategies like the Smith Manoeuvre (Maneuver) or cash/rental damming involve risk. Consult a qualified professional before proceeding.

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