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Turn your mortgage into a wealth-building tool. Smith Manoeuvre strategies, tax-smart planning, and honest math from two Canadian mortgage strategists.

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Why Homeowners With 25% Equity and Cash Are Leaving Deductions on the Table post image
By Christina Pentlichuk
Jul 8, 2026

Why Homeowners With 25% Equity and Cash Are Leaving Deductions on the Table

How Rental Cash Damming Cuts 8-12 Years Off Your Mortgage With Tax Refunds post image
By Christina Pentlichuk
Sep 24, 2026

How Rental Cash Damming Cuts 8-12 Years Off Your Mortgage With Tax Refunds

What a Home EV Charging Station Actually Costs in Ontario in 2026 post image
By Christina Pentlichuk
Sep 23, 2026

What a Home EV Charging Station Actually Costs in Ontario in 2026

Canada's resource sector is attracting capital for reasons that have nothing to do with commodity prices post image
By Christina Pentlichuk
Sep 23, 2026

Canada's resource sector is attracting capital for reasons that have nothing to do with commodity prices

HELOC Rate Spread Narrows to Prime Plus 0.5% to 1.0% in 2026 post image
By Christina Pentlichuk
Sep 23, 2026

HELOC Rate Spread Narrows to Prime Plus 0.5% to 1.0% in 2026

Joint Mortgages in Ontario and B.C. Are Masking a Delinquency Problem post image
By Christina Pentlichuk
Sep 22, 2026

Joint Mortgages in Ontario and B.C. Are Masking a Delinquency Problem

New Zealand's Top Sovereign Wealth Fund Signals Equity Caution Despite Strong 2026 Returns post image
By Christina Pentlichuk
Sep 21, 2026

New Zealand's Top Sovereign Wealth Fund Signals Equity Caution Despite Strong 2026 Returns

The One Time Cash Savings Should Pay Down Your Mortgage Early post image
By Christina Pentlichuk
Sep 21, 2026

The One Time Cash Savings Should Pay Down Your Mortgage Early

Canada's household debt-to-income ratio rose to 177.2% in Q4, marking fifth consecutive increase post image
By Christina Pentlichuk
Sep 21, 2026

Canada's household debt-to-income ratio rose to 177.2% in Q4, marking fifth consecutive increase

You Don't Need Tenants to Make Your Mortgage Interest Tax-Deductible post image
By Christina Pentlichuk
Sep 21, 2026

You Don't Need Tenants to Make Your Mortgage Interest Tax-Deductible

Developers Want You to Deduct Mortgage Interest on New Homes: The Pitch Ottawa Hasn't Priced post image
By Christina Pentlichuk
Sep 21, 2026

Developers Want You to Deduct Mortgage Interest on New Homes: The Pitch Ottawa Hasn't Priced

Why Delaying Your RRIF Withdrawal Until 72 Could Trigger a Six-Figure Tax Bill post image
By Christina Pentlichuk
Sep 20, 2026

Why Delaying Your RRIF Withdrawal Until 72 Could Trigger a Six-Figure Tax Bill

Why Owning the Whole S&P 500 Now Means Owning Nothing Special post image
By Christina Pentlichuk
Sep 19, 2026

Why Owning the Whole S&P 500 Now Means Owning Nothing Special

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The strategies most Canadians don't hear about from their bank.

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Why Homeowners With 25% Equity and Cash Are Leaving Deductions on the Table post image
By Christina Pentlichuk
Jul 8, 2026

Why Homeowners With 25% Equity and Cash Are Leaving Deductions on the Table

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Subscribe to New Posts Turn your mortgage into a wealth-building tool. Smith Manoeuvre strategies, tax-smart planning, and honest math from two Canadian mortgage strategists. Subscribe (Free)
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Turn your mortgage into a wealth-building tool. Smith Manoeuvre strategies, tax-smart planning, and honest math from two Canadian mortgage strategists.

Subscribe (Free)
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The strategies most Canadians don't hear about from their bank.

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