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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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Debt consolidation mortgages

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

One payment, clearer cash flow

We evaluate whether consolidating debt improves your monthly budget and long-term savings.

What we review

  • Existing debt balances and interest rates.
  • Qualification ratios after consolidation.
  • Budget plan to prevent re-accumulation.

Helpful tools

Model new payment and affordability impact.

  • Debt service ratios
  • Payment calculator
  • Refinance analyzer

Frequently asked questions

Will this lower my monthly payment?

Often yes, but total interest costs can increase if amortization is extended.

Does consolidation affect my credit?

It can improve your profile if it reduces utilization and late payments.

Is consolidation possible without refinancing?

Sometimes through a HELOC, but we compare both options.

Next step

Ready when you are

Hold a rate, book time with the Broker team, or jump straight into the secure dashboard.

Compare ratesBook 15-min consultStart application

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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