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

Specialty programs

Newcomer, self-employed, and alt-A options with clear underwriting requirements.

When traditional doesn’t fit

Specialty products support newcomers, self-employed borrowers, and unique income situations. We document the additional verification lenders need and build compliant files without guesswork.

Examples

  • Newcomer programs with incremental down payments.
  • Stated-income or bank-statement programs for self-employed Canadians.
  • Bruised credit recovery plans with clear re-establishment steps.

Considerations

  • Higher rates and fees often apply—our Smart Finder shows the exact premium versus prime programs.
  • Documentation requirements are stricter and must be maintained for renewals.

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