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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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Why Paying Off Your Mortgage With an Inheritance Is Often the Worst Thing You Can Do post image
By Julie Sheremeto
Sep 20, 2026

Why Paying Off Your Mortgage With an Inheritance Is Often the Worst Thing You Can Do

Your Credit Score Drops After Paying Off Your Mortgage Because Algorithms Value Active Debt, Not Wealth post image
By Julie Sheremeto
Sep 20, 2026

Your Credit Score Drops After Paying Off Your Mortgage Because Algorithms Value Active Debt, Not Wealth

The Post-Funding Call That Turns Offset Mortgage Ambiguity Into Client Confidence post image
By Julie Sheremeto
Sep 20, 2026

The Post-Funding Call That Turns Offset Mortgage Ambiguity Into Client Confidence

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By Julie Sheremeto
Sep 20, 2026

Cut Your Mortgage Penalty by Prepaying Before You Break

Half of Working Canadians Could Cover Two Months or Less Without a Paycheque post image
By Julie Sheremeto
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Half of Working Canadians Could Cover Two Months or Less Without a Paycheque

CRA's $1 Billion Advance Ruling Threshold: Tax Certainty for Mega-Projects, Gatekeeping for Everyone Else post image
By Julie Sheremeto
Sep 19, 2026

CRA's $1 Billion Advance Ruling Threshold: Tax Certainty for Mega-Projects, Gatekeeping for Everyone Else

How one borrower cut 18 years off her mortgage without raising a single payment post image
By Julie Sheremeto
Sep 18, 2026

How one borrower cut 18 years off her mortgage without raising a single payment

Manulife Withdraws Leveraged Insurance Product Under Regulatory Pressure post image
By Julie Sheremeto
Sep 18, 2026

Manulife Withdraws Leveraged Insurance Product Under Regulatory Pressure

How Canadian '.U' ETFs let you invest U.S. dollars without crossing the border post image
By Julie Sheremeto
Sep 18, 2026

How Canadian '.U' ETFs let you invest U.S. dollars without crossing the border

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By Julie Sheremeto
Sep 18, 2026

# You Can't Rely on Automatic Equity Access Anymore, Here's Your New Math

The Emergency Fund Rule That Quietly Bankrupts Business Owners post image
By Julie Sheremeto
Sep 18, 2026

The Emergency Fund Rule That Quietly Bankrupts Business Owners

Drawing Down Your RRIF Before 71: A Strategy to Keep More GIS post image
By Julie Sheremeto
Sep 17, 2026

Drawing Down Your RRIF Before 71: A Strategy to Keep More GIS

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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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