Pragmatic MortgagePragmatic Mortgage
RatesCalculatorsServicesProductsLocationsBlogContact
Secure my rateCreate free account

Speak to an advisor

We’re the mortgage company that doesn’t want you to have a mortgage. Book a 15-minute consult and we’ll map your next step.

Book 15-min consult
Pages
  • Apply Online
  • Rates
  • Calculators
  • Insights
  • Contact
Legal
  • Terms & Conditions
  • Privacy Policy
  • Credit Consent
  • RaC Form
  • Careers
Locations
  • Kelowna Mortgage Broker
  • Surrey Mortgage Broker
Get in touch
  • (778) 557-2144
  • [email protected]
© 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.
RobotsSitemapInsights

Readvanceable mortgages

Blend an amortizing mortgage with a HELOC that grows as you pay it down.

A toolkit for advanced planning

Readvanceable products automatically make HELOC room available as you reduce principal. They’re ideal for investors and disciplined households running Smith Manoeuvre/Maneuver strategies.

Benefits

  • Immediate access to capital for investments or renovations.
  • Paired with mortgage payments, so available credit grows automatically.
  • Supports cash or rental damming plans with proper tracking.

Risks

  • Requires discipline to avoid re-leveraging without purpose.
  • Interest on the HELOC portion floats with prime.

Representative rates

Ready when you are

Hold a rate, book time with the Broker team, or jump straight into the secure dashboard.

Compare all ratesBook 15-min consultStart application

Information is general and not legal, tax, or investment advice. Smith Manoeuvre/Maneuver and cash or rental damming strategies involve risk—consult a qualified tax professional.

Rates for this product are refreshing. Check back shortly or run a custom search on the rates page.