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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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Search Pragmatic Mortgage

Find tools, guides, or services.

First-time buyer mortgages

Navigate minimum down payments, default insurance, and incentives with confidence.

A first purchase plan you can trust

We blend affordability modelling, insurer premium estimates, and a closing-cost checklist so you know the real cash required.

Your dashboard keeps documents, condition dates, and broker guidance in one place.

What we deliver

  • Minimum down payment strategy and gifted funds documentation.
  • Incentive review across federal and provincial programs.
  • Condition removal timeline with lender and appraisal checkpoints.

Helpful tools

Run these tools together to see both cash to close and payment impact.

  • Minimum down payment
  • Insurer premium
  • Closing costs

Frequently asked questions

Can I buy with less than 20% down?

Yes. Mortgage default insurance is required for high-ratio mortgages.

Can I use the Home Buyers' Plan?

If eligible, you can withdraw RRSP funds. We include this in the down payment plan.

What if my credit is limited?

We can review alternative programs and advise on steps to strengthen your file.

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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