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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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Find tools, guides, or services.

HELOC and readvanceable strategies

Blend borrowing with payoff planning, Smith Manoeuvre options included.

Flexible borrowing with clear guardrails

HELOCs provide revolving credit tied to home equity. Readvanceable products add a repayment structure that unlocks long-term strategies.

We ensure the structure matches your goals and risk profile, then track it inside the dashboard.

Common use cases

  • Renovations and home improvements.
  • Cash flow smoothing for entrepreneurs.
  • Advanced paydown strategies such as the Smith Manoeuvre.

Helpful tools

Model rates, repayment, and long-term payoff impact.

  • HELOC calculator
  • Smith calculator
  • Readvanceable product

Frequently asked questions

Is a HELOC interest-only?

Most HELOCs allow interest-only payments, but policies vary by lender.

Can I use a HELOC for investing?

Possibly, but it requires careful tax guidance and risk planning.

What is a readvanceable mortgage?

A mortgage that re-advances principal as you pay it down, enabling structured borrowing.

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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