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© 2025 – All rights reserved. • Paragon Pragmatic Lending • 1915 Foxtail Terrace Kelowna BC V1P 1T9 • BCFSA Brokerage License X301089
Information is general and not legal, tax, or investment advice. Strategies like the Smith Manoeuvre (Maneuver) and cash/rental damming involve risk—consult a qualified tax professional.
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Mortgage products

Understand the pros, cons, and typical use cases for every Pragmatic-approved product.

Each product page includes rate snippets, risk notes, and calculators so you can compare options within minutes. We use the same Supabase-backed data in our Smart Finder and dashboard—no marketing fluff, just math.

Fixed-rate mortgages

Lock in predictable payments with clear prepayment privileges.

Variable & ARM

Ride the Bank of Canada cycle with trigger-rate monitoring built in.

Hybrid / split

Blend fixed and variable terms for a balance of stability and flexibility.

HELOC

Access revolving credit for renovations, investments, or cash-flow smoothing.

Readvanceable

Pair amortizing and revolving portions—perfect for Smith Manoeuvre / Maneuver planning.

Cashback

Receive funds upfront for closing costs or renovations—know the fine print first.

Specialty

Newcomer, self-employed, and alt-A solutions with transparent underwriting notes.