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Independent writing on mortgages, refinancing, and the Smith Manoeuvre — from a former math teacher who thinks the numbers deserve to be shown.

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How to Generate a Tax Deduction Three Months Before You Buy a House post image
By Julie Sheremeto
Jul 28, 2026

How to Generate a Tax Deduction Three Months Before You Buy a House

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The $10,000 Move That Saves First-Time Buyers $3,500 at Closing post image
By Julie Sheremeto
Jul 28, 2026

The $10,000 Move That Saves First-Time Buyers $3,500 at Closing

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The OAS Clawback Is 15 Cents Per Dollar, Not 30 or 50 post image
By Julie Sheremeto
Sep 25, 2026

The OAS Clawback Is 15 Cents Per Dollar, Not 30 or 50

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By Julie Sheremeto
Sep 22, 2026

7 streaming services worth paying for in Canada, plus the credit cards that cut your bill

Ontario and B.C. First-Time Buyers Are Borrowing in Pairs, and the Cracks Are Starting to Show post image
By Julie Sheremeto
Sep 22, 2026

Ontario and B.C. First-Time Buyers Are Borrowing in Pairs, and the Cracks Are Starting to Show

Why Paying Off Your Mortgage First Can Cost You More Than the Interest Rate post image
By Julie Sheremeto
Sep 22, 2026

Why Paying Off Your Mortgage First Can Cost You More Than the Interest Rate

Your Emergency Fund Offset Account: Closing a $1,770 Annual Interest Gap post image
By Julie Sheremeto
Sep 22, 2026

Your Emergency Fund Offset Account: Closing a $1,770 Annual Interest Gap

Cross the 15% Down Payment Line in Canada and Cut Your CMHC Premium by Thousands post image
By Julie Sheremeto
Sep 22, 2026

Cross the 15% Down Payment Line in Canada and Cut Your CMHC Premium by Thousands

Julie Sheremeto Blog icon
By Julie Sheremeto
Sep 21, 2026

# Refinancing Property Equity vs. Selling Investments: Which Costs BC High Earners Less After Tax?

Prepayment Privileges Aren't Debt Reduction: They're Your Best Penalty Defence post image
By Julie Sheremeto
Sep 21, 2026

Prepayment Privileges Aren't Debt Reduction: They're Your Best Penalty Defence

Corporate Investment Accounts: Why Confusing Active and Passive Tax Rates Costs You post image
By Julie Sheremeto
Sep 21, 2026

Corporate Investment Accounts: Why Confusing Active and Passive Tax Rates Costs You

How a Canadian-American Dual Citizen Reports RESP Income to the IRS Without Triggering Penalties post image
By Julie Sheremeto
Sep 21, 2026

How a Canadian-American Dual Citizen Reports RESP Income to the IRS Without Triggering Penalties

GIC Laddering Locks in Average Returns While Rate Chasers Wait post image
By Julie Sheremeto
Sep 21, 2026

GIC Laddering Locks in Average Returns While Rate Chasers Wait

Canada Inflation Holds at 3.0%: What It Means for Rate Forecasts in 2026 post image
By Julie Sheremeto
Sep 20, 2026

Canada Inflation Holds at 3.0%: What It Means for Rate Forecasts in 2026

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Julie Sheremeto Blog icon

Smart mortgage strategy for Canadians who want the math shown.

Featured Posts

How to Generate a Tax Deduction Three Months Before You Buy a House post image
By Julie Sheremeto
Jul 28, 2026

How to Generate a Tax Deduction Three Months Before You Buy a House

The $10,000 Move That Saves First-Time Buyers $3,500 at Closing post image
By Julie Sheremeto
Jul 28, 2026

The $10,000 Move That Saves First-Time Buyers $3,500 at Closing

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Subscribe to New Posts Independent writing on mortgages, refinancing, and the Smith Manoeuvre — from a former math teacher who thinks the numbers deserve to be shown. Subscribe (Free)
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Independent writing on mortgages, refinancing, and the Smith Manoeuvre — from a former math teacher who thinks the numbers deserve to be shown.

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Smart mortgage strategy for Canadians who want the math shown.

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