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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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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

Personal Letters to Sellers Are Dead, and Good Riddance post image
By Julie Sheremeto
Aug 4, 2026

Personal Letters to Sellers Are Dead, and Good Riddance

Why Northern Canadian Home Prices Rose Even Where Sales Collapsed post image
By Julie Sheremeto
Aug 4, 2026

Why Northern Canadian Home Prices Rose Even Where Sales Collapsed

25 States Sue Trump Over Tariffs, Claiming He Lacks Legal Authority to Tax Imports post image
By Julie Sheremeto
Aug 4, 2026

25 States Sue Trump Over Tariffs, Claiming He Lacks Legal Authority to Tax Imports

Self-Employed in Canada? 6 Moves That De-Risk Your Mortgage Application Before You Even Apply post image
By Julie Sheremeto
Aug 3, 2026

Self-Employed in Canada? 6 Moves That De-Risk Your Mortgage Application Before You Even Apply

Agent Breaks, Prenups, and This Week's Mortgage Rates: What Canada's Housing Market Is Watching post image
By Julie Sheremeto
Aug 3, 2026

Agent Breaks, Prenups, and This Week's Mortgage Rates: What Canada's Housing Market Is Watching

The $1,500 Federal Tax Credit First-Time Homebuyers Leave on the Table post image
By Julie Sheremeto
Aug 3, 2026

The $1,500 Federal Tax Credit First-Time Homebuyers Leave on the Table

Refinancing to Pay Off Debt: The Five-Year Math That Actually Decides It post image
By Julie Sheremeto
Aug 2, 2026

Refinancing to Pay Off Debt: The Five-Year Math That Actually Decides It

Fixed or Variable Mortgage: The Question You Should Ask Instead of Trying to Predict Rates post image
By Julie Sheremeto
Aug 2, 2026

Fixed or Variable Mortgage: The Question You Should Ask Instead of Trying to Predict Rates

Kelowna Tops Canada's 2026 Wildfire Risk Rankings: What Condo Buyers Need to Know post image
By Julie Sheremeto
Aug 2, 2026

Kelowna Tops Canada's 2026 Wildfire Risk Rankings: What Condo Buyers Need to Know

The 40% Rule Assumes You'll Spend $18,000 a Year on Groceries and Utilities, Here's Why post image
By Julie Sheremeto
Aug 2, 2026

The 40% Rule Assumes You'll Spend $18,000 a Year on Groceries and Utilities, Here's Why

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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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