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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

Featured post
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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Why Canada's Tax Code Is Harder to Fix Than Ottawa Admits post image
By Julie Sheremeto
Aug 20, 2026

Why Canada's Tax Code Is Harder to Fix Than Ottawa Admits

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Aug 20, 2026

Why Your Fixed Mortgage Rate Just Jumped Even Though the Bank of Canada Hasn't Moved

RFA's $3.5 billion first half shows where mortgage volume is actually moving post image
By Julie Sheremeto
Aug 17, 2026

RFA's $3.5 billion first half shows where mortgage volume is actually moving

At 4.45%, the Canadian Prime Rate Just Made Your Line of Credit More Expensive Than You Think post image
By Julie Sheremeto
Aug 16, 2026

At 4.45%, the Canadian Prime Rate Just Made Your Line of Credit More Expensive Than You Think

Ontario's 1.5 Million Housing Target: Understanding the Numbers post image
By Julie Sheremeto
Aug 16, 2026

Ontario's 1.5 Million Housing Target: Understanding the Numbers

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By Julie Sheremeto
Aug 16, 2026

Why Your RRSP Contribution Must Sit 89 Days Before an HBP Withdrawal

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By Julie Sheremeto
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Trump's Tariffs Are Splitting Iowa Voters on Whether Canada Deserves Friend or Foe Treatment

Wealthsimple Predict Will Create New Insider Trading Exposure Canadian Regulators Haven't Defined post image
By Julie Sheremeto
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Wealthsimple Predict Will Create New Insider Trading Exposure Canadian Regulators Haven't Defined

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By Julie Sheremeto
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By Julie Sheremeto
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Lower Mainland Sales Drag B.C. Housing 19% Below Decade Norm

Why Pension Funds Are Suddenly Betting on Small Farm Lenders post image
By Julie Sheremeto
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Why Pension Funds Are Suddenly Betting on Small Farm Lenders

7 Habits Credit Canada Counsellors See in People Who Actually Pay Off Debt post image
By Julie Sheremeto
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7 Habits Credit Canada Counsellors See in People Who Actually Pay Off Debt

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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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