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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 Student Tenant Insurance Is the One Expense That Actually Saves You Money post image
By Julie Sheremeto
Aug 7, 2026

Why Student Tenant Insurance Is the One Expense That Actually Saves You Money

Montreal's 10% Sales Drop Signals Market Correction, Not Crisis post image
By Julie Sheremeto
Aug 7, 2026

Montreal's 10% Sales Drop Signals Market Correction, Not Crisis

Manulife's $2.1 billion Q2 obscures a 22% Canadian earnings collapse post image
By Julie Sheremeto
Aug 7, 2026

Manulife's $2.1 billion Q2 obscures a 22% Canadian earnings collapse

TFSA Overcontribution Penalties: How to Fix Mistakes Before CRA Fines Escalate in 2026 post image
By Julie Sheremeto
Aug 6, 2026

TFSA Overcontribution Penalties: How to Fix Mistakes Before CRA Fines Escalate in 2026

GTA Listings Fell 30% in July, Turning a Buyer's Market Into a Seller's One post image
By Julie Sheremeto
Aug 6, 2026

GTA Listings Fell 30% in July, Turning a Buyer's Market Into a Seller's One

You Overcontributed to Your TFSA. Here's How to Fix It Before the CRA Penalty Hits. post image
By Julie Sheremeto
Aug 6, 2026

You Overcontributed to Your TFSA. Here's How to Fix It Before the CRA Penalty Hits.

30-Year Amortizations Drove Sagen Volume 18% Higher While Claims Ate the Profit post image
By Julie Sheremeto
Aug 6, 2026

30-Year Amortizations Drove Sagen Volume 18% Higher While Claims Ate the Profit

One in Four Canadians Now Own Crypto, And Advisors Are Starting to Recommend It post image
By Julie Sheremeto
Aug 6, 2026

One in Four Canadians Now Own Crypto, And Advisors Are Starting to Recommend It

DLC's Filogix acquisition doesn't eliminate competition, it concentrates it where brokers already locked themselves in post image
By Julie Sheremeto
Aug 5, 2026

DLC's Filogix acquisition doesn't eliminate competition, it concentrates it where brokers already locked themselves in

DLC's Filogix acquisition doesn't solve the competition problem, it creates one post image
By Julie Sheremeto
Aug 5, 2026

DLC's Filogix acquisition doesn't solve the competition problem, it creates one

Toronto Townhouse Developer Enters Creditor Protection With 65 Unsold Units post image
By Julie Sheremeto
Aug 5, 2026

Toronto Townhouse Developer Enters Creditor Protection With 65 Unsold Units

MCAN's mortgage book grew 19% while impairments climbed, what that split reveals about Canada's housing credit cycle post image
By Julie Sheremeto
Aug 5, 2026

MCAN's mortgage book grew 19% while impairments climbed, what that split reveals about Canada's housing credit cycle

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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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