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Products and Services

Products and Services

At Paradigm, we provide a number of fractional services for our partners and have built a strong reputation in the mortgage lending industry. We provide outsourced adjudication, advancing/closing, servicing and reporting of residential mortgages on behalf of lenders who operate in the Canadian marketplace.

As an expert in mortgage processing, we are setting a new standard through reliable, efficient, cost-effective and customer-focused underwriting, funding, and servicing of prime mortgage portfolios. Our platform allows us to support multiple originators and investors and our innovative approach separates us from our competitors.

Some of the products and services that Paradigm offers:

  • Fixed and adjustable rate mortgage terms
  • 50/50 mortgage product
    • Our 50/50 mortgage product lets borrowers take advantage of low fixed rates and low adjustable rate products all in one mortgage (1 collateral charge). 50% of the mortgage is in a 5 Year Fixed rate and 50% of the mortgage is in a 5 Year Adjustable rate. The adjustable rate can be locked in at any time to a fixed rate for the remainder of the term of the mortgage.
  • Home Equity Line of Credit
    • Paradigm was first to launch Home Equity Line of Credit in the mortgage broker channel for Non-Bank lenders and first to securitize fixed components inside a Home Equity Line of Credit Product.
    • A securitizable HELOC that eventually resulted in CMHC allowing components within a HELOC to be securitizable and eligible for CMB.
  • No Frills mortgage
    • Paradigm was first to launch a “No Frills” mortgage product. The No Frills Mortgage is a mortgage with a 5 year fixed rate term with reduced cost. This product was a huge success in the market and was a direct result of market feedback.  The product demonstrates the strength of Paradigm’s relationship with our investor partners. Paradigm collaborated and developed a product that not only made economic sense to all parties but was also attractive and easy to sell through the Mortgage intermediary market.
  • First to launch Private Label brands for mortgage originators
  • Outbound/Inbound Call Centre services for any industry
  • Collections services for any lending institution in any industry