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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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Mortgage refinancing

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

Refinance with full cost clarity

We compare savings versus penalties and fees so you know if refinancing pays off.

Your dashboard records scenarios and keeps documentation ready for approval.

Popular refinance goals

  • Lower monthly payments.
  • Debt consolidation into one manageable payment.
  • Access equity for renovations or investments.

Helpful tools

Compare breakeven timelines and penalty impact.

  • Refinance analyzer
  • Refi breakeven
  • Penalty estimator

Frequently asked questions

Will refinancing hurt my credit?

It can involve a credit check, but the impact is usually small and temporary.

How long does a refinance take?

Often 2 to 4 weeks once documents are complete.

Can I refinance before maturity?

Yes, but penalties apply. We estimate them before you decide.

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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