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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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Pragmatic Mortgage services

Licensed advice, transparent rates, and compliance-first automation for every stage of the mortgage journey.

Whether you are buying, renewing, refinancing, or planning a Smith Manoeuvre / Maneuver, each service layers the same foundation: secure digital intake, Supabase-backed records with perfect RLS, and a dashboard that keeps the Broker team, borrowers, and regulators aligned.

Purchase

Structure down payment, incentives, and closing plans for your next home.

First-time Buyer

Navigate 5% down, CMHC premiums, and tax credits with transparent coaching.

Renewal

Hold rates early and automate reminders 6/4/3/1 months out.

Refinance

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

Investment Properties

Optimize rental cashflows, DSCR, and tax strategies like rental damming.

HELOC & readvanceable

Blend borrowing with payoff planning, Smith Manoeuvre/Maneuver optional.