Pragmatic gives you transparent rates, smart calculators, and a plan to pay your mortgage off faster---without guesswork.
Pragmatic tools cover every stage of the mortgage journey, from first-time buyer affordability through refinance modelling, Smith Manoeuvre cashflows, and renewal reminders that respect CASL.
Check if your numbers line up before you pull credit.
Model income, debts, and taxes by province.
See principal versus interest, with accelerated options.
Project lump sums and monthly top-ups to crush interest.
Plan readvanceable strategies and Smith Manoeuvre scenarios.
Tangible advantages on rate, security, and service — designed to win your trust.
As your Licensed Mortgage Broker, our service is free of charge. We are paid by the banks to provide you the best rates and terms.
Powered by the super mortgage broker network: Paragon Pragmatic Lending. We guarantee to get you the lowest rate possible. Or we give you $500. A simple gesture to say thank you for letting us prove our worth.
This website and all digital communication about your personal financials is protected by the latest modern web security TLS practices. Everything you submit to us is fully encrypted and strictly confidential.
Because we broker under the Paragon Mortgage Network, as a team we do billions of dollars annually with the banks — they give us discounts, which we pass on to you.
A proven track record with years of experience and past clients to prove it. Check out our Google reviews.
We combine secure digital intake, licensed advice, and transparent pricing so you know exactly what happens between discovery and the day you’re mortgage-free.
Start with a 15-minute consult to outline goals, key dates, and whether strategies like the Smith Manoeuvre make sense for you.
Book a callUse our calculators to model affordability, payments, prepayment impact, and rental cashflows. We double-check everything for compliance.
Use calculatorsSecure transparent pricing tailored to insured, insurable, or uninsured scenarios---with prepayment privileges spelled out.
Secure my rateUpload documents in the dashboard, track conditions, and get proactive guidance on risks like rental damming or bridge financing.
Create free accountCoordinate lawyers, insurers, and lenders. We structure completion funds, rate holds, and renewals so there are zero surprises.
See servicesAutomate prepayments, monitor trigger rates, and run annual payoff reviews so you clear the mortgage faster and stay CASL-compliant.
Save my planMeet the team in Kelowna, Surrey, or Calgary. Each office is licensed, insured, and ready to help you plan payoff strategies like the Smith Manoeuvre / Maneuver and cash or rental damming---with a proper risk review.
1915 Foxtail Terrace, Kelowna, BC V1P 1T9
15350 34 Ave Suite 301, Surrey, BC V3S 0L9
517 10 Ave SW, Calgary, AB T2R 0A8
As your Mortgage Broker, we provide a powerful consultation service tailored to your needs.
We go beyond the minimum requirements of British Columbia Law. Certified to protect your interest.
We classify scenarios by insured, insurable, or conventional buckets and surface products with transparent prepayment privileges. Hold a rate or start your application in a couple of clicks—no sales pressure.
High-ratio insured for owner-occupied homes under $1.5M.
Bulk-insurable options for borrowers with lower LTVs.
Conventional offerings for up to 80% loan-to-value.