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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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Canada's Housing Fix Requires $1.7 Trillion and Higher Rates for a Decade post image
By Julie Sheremeto
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Canada's Housing Fix Requires $1.7 Trillion and Higher Rates for a Decade

The 6-Item Offset Mortgage Fit Test: Why Cash Flow Patterns Matter More Than Rate post image
By Julie Sheremeto
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Why Kelowna's Hardest-to-Place Borrowers Call Rebecca Armitage After Everyone Else Passes post image
By Julie Sheremeto
Jul 29, 2026

Why Kelowna's Hardest-to-Place Borrowers Call Rebecca Armitage After Everyone Else Passes

How Your First Mortgage Payment Splits: A Dollar-by-Dollar Look at Amortization post image
By Julie Sheremeto
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StatCan's Coming Population Revisions Will Erase Canada's Demographic Decline

The $5,000 RRSP Receipt That Saves You Taxes If You Split It Correctly post image
By Julie Sheremeto
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The $5,000 RRSP Receipt That Saves You Taxes If You Split It Correctly

Offset Mortgages Let You Cut Interest Like a Lump-Sum Payment, While Keeping Every Dollar Liquid post image
By Julie Sheremeto
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Offset Mortgages Let You Cut Interest Like a Lump-Sum Payment, While Keeping Every Dollar Liquid

Most Borrowers Plan to Prepay Their Mortgage and Then Never Do It post image
By Julie Sheremeto
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Most Borrowers Plan to Prepay Their Mortgage and Then Never Do It

Six Weeks Before Your Mortgage Renewal: The Checklist That Turns You Into the Lender's Toughest Negotiator post image
By Julie Sheremeto
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Six Weeks Before Your Mortgage Renewal: The Checklist That Turns You Into the Lender's Toughest Negotiator

Stated Income Programs Let Growing Corporations Skip the Two-Year Average That Penalizes Recent Growth post image
By Julie Sheremeto
Jul 28, 2026

Stated Income Programs Let Growing Corporations Skip the Two-Year Average That Penalizes Recent Growth

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

Featured post
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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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