Mortgage education
Mortgage Education
Proprietary experience, practical strategy, and straightforward guidance for business owners and self-employed borrowers in BC and Alberta.
Highlights
Cash Damming Risks and Common Mistakes to Avoid
Learn the biggest cash damming risks and common mistakes in Canada, including mixed-use borrowing, weak tracing, personal-use errors, refinance confusion, and poor cash flow fit.
Mortgage education
Is Cash Damming Worth It for Rental Property Owners?
Is cash damming worth it for rental property owners in Canada? Learn who it tends to fit, when it may not be worth the complexity, and what determines the real benefit.
Mortgage
Cash Damming for Rental Properties: Canadian Tax Strategy
Learn how to apply cash damming to your mortgage and investment property for tax planning purposes
Smith Manoeuvre
Who the Smith Manoeuvre Makes Sense For, and Who It Doesn’t
Wondering if the Smith Manoeuvre is right for you? Learn who it tends to fit, who should avoid it, and the key factors around debt, risk, time horizon, and cash flow.
All articles
Smith Manouevre
Should You Refinance to Start the Smith Manoeuvre?
Should you refinance to start the Smith Manoeuvre in Canada? Learn when refinancing makes sense, when waiting is smarter, and what penalties, rates, and product setup matter.
Smith Manoeuvre
Common Smith Manoeuvre Mistakes That Break Interest Deductibility
Learn the most common Smith Manoeuvre mistakes that can break interest deductibility in Canada, including account mixing, wrong investments, poor tracing, and refinance errors.
Mortgage
What Is the Smith Manoeuvre and Tax Deductible Mortgage
Learn about what the Smith Manoeuvre is and how you can implement a Tax Deductible mortgage strategy
Mortgage
Cash Damming Tracing and Documentation Rules for Rental Property Owners
Learn the cash damming tracing and documentation rules that matter in Canada, including separate accounts, direct use, CRA record keeping, and common mistakes that weaken deductibility.
Mortgage
Can You Deduct HELOC Interest on a Rental Property in Canada?
Learn more about deducting HELOC interest on a rental property
Mortgage Approval
What Is a Conditional Approval?
What does conditional approval mean for a mortgage? Learn how conditional mortgage approval works, how it differs from final approval, and what steps borrowers should take next.
Mortgage education
Mortgage guideline exceptions
Discover how Canadian business owners can navigate mortgage guideline exceptions to secure home financing. Learn key strategies and get expert tips today!
Mortgages
Adjustable Rate vs. Variable Rate Mortgages: How to Pick the Right Float Strategy
Canadian business owners need to decide whether adjustable payments or fixed-payment variables make more sense before prime moves.
Mortgage education
How Much Salary and Dividends to Claim for an A-Lender Mortgage (Using the BFS Qualification Line)
For business owners planning taxes with a mortgage coming up: learn how lenders underwrite salary and dividends, why retained earnings matters, and how a BFS Qualification Line calculator can map the minimum income mix to qualify.
Mortgage
Construction Financing and Developing Vacant Land in Canada
Learn how construction and land financing works in Canada
Mortgage
Understanding Mortgage Payment Frequency
Learn about the different payment frequencies that you can get with your mortgage
Mortgage
Mortgage Amortization vs. Term Length Explained
Learn more about amortization and term length when it comes to getting your mortgage
Mortgage
Mortgage Rate Types Explained: Fixed, Variable & Hybrid
Learn more about the different types of rates you can get for your mortgage in Canada
Mortgage
Gifted Equity for Mortgages: A Practical Guide
Learn more about gifting equity and how it plays a role in getting a mortgage
Real Estate Investing
Should I Refinance, Re-Amortize, or Sell My Rental Property?
Learn more about deciding between refinancing, re-amortizing or selling a rental property
Mortgage
Self-Employed Mortgages in BC & Alberta: How It Works
Learn how you can get a mortgage as a business owner
Mortgage
Get a Mortgage After Buying a Business in Canada
Learn what mortgages are available for new business owners who just bought a business
Mortgage
Interest Adjustment on Your First Mortgage Payment
Learn more about your first mortgage payment and how interest adjustments play a role
Mortgage
Mortgages for Influencers: Guide to Homeownership
Learn how influencers can get a mortgage
Mortgage
Can You Get a Mortgage If You’ve Just Started a New Business?
Learn how you can get a mortgage, even if you're a new business owner
Mortgage
Property Transfer Tax & Land Title Fees in BC and Alberta
Learn about prperty transfer taxes and land title fees if you're buying a home in Alberta or BC
Mortgage
How Rental Income Affects Your Mortgage Borrowing Power
Learn how rental income affects your borrowing power when getting a mortgage
Mortgage
Closing Costs When Buying Your First Home
Learn more about computing closing costs when buying your first home
Mortgage
Mortgage Terms – What You Need to Know
Learn more about the main terms related to mortgages.
Mortgage
First Time Home Buyer’s Guide to Creating Your Budget
Learn how to create your budget as a first time home buyer
Mortgage
Should you Get a HELOC, 2nd Mortgage, or Replace your Mortgage
How to decide the best way to utilize equity in your property from HELOCs, 2nd mortgages to full refinances.
Real Estate Investing
How to Buy Your First Investment Property in Canada
Here is how you can invest in your first rental property in Canada.