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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 Business Owners Should Build Cash Before Killing Debt post image
By Julie Sheremeto
Sep 17, 2026

Why Business Owners Should Build Cash Before Killing Debt

Why high-net-worth investors pay more than they should for cash reserves post image
By Julie Sheremeto
Sep 17, 2026

Why high-net-worth investors pay more than they should for cash reserves

When the Regulator Moves First: The Exit Risk Nobody Mentions in Insurance Wealth Strategies post image
By Julie Sheremeto
Sep 17, 2026

When the Regulator Moves First: The Exit Risk Nobody Mentions in Insurance Wealth Strategies

Your Mortgage Rate Is Also Your Guaranteed Return: How All-in-One Accounts Work post image
By Julie Sheremeto
Sep 16, 2026

Your Mortgage Rate Is Also Your Guaranteed Return: How All-in-One Accounts Work

CPP and OAS at 65 or 70: How Chronic Illness Changes the Math post image
By Julie Sheremeto
Sep 16, 2026

CPP and OAS at 65 or 70: How Chronic Illness Changes the Math

Why U.S. Citizens in Canada Pay More Tax on Investment Income Than They Think post image
By Julie Sheremeto
Sep 16, 2026

Why U.S. Citizens in Canada Pay More Tax on Investment Income Than They Think

How All-In-One Mortgages Turn $40,000 in Savings Into Interest-Free Cash You Still Control post image
By Julie Sheremeto
Sep 16, 2026

How All-In-One Mortgages Turn $40,000 in Savings Into Interest-Free Cash You Still Control

Biweekly Mortgage Payments Cost You Nothing in Year One If You Can't Handle Them post image
By Julie Sheremeto
Sep 15, 2026

Biweekly Mortgage Payments Cost You Nothing in Year One If You Can't Handle Them

How to Allocate a $500 Monthly Surplus Between Your Mortgage, Investments, and Cash Reserve post image
By Julie Sheremeto
Sep 15, 2026

How to Allocate a $500 Monthly Surplus Between Your Mortgage, Investments, and Cash Reserve

Your 4.75% Savings Account Loses to a 4% Mortgage: The After-Tax Math Canadian Investors Miss post image
By Julie Sheremeto
Sep 15, 2026

Your 4.75% Savings Account Loses to a 4% Mortgage: The After-Tax Math Canadian Investors Miss

Mortgage Interest Costs Rise Even as Household Debt Ratios Improve post image
By Julie Sheremeto
Sep 14, 2026

Mortgage Interest Costs Rise Even as Household Debt Ratios Improve

The Open-Mortgage Bridge: How Two Penalty-Free Weeks at Maturity Beat Early Renewal Lock-In post image
By Julie Sheremeto
Sep 14, 2026

The Open-Mortgage Bridge: How Two Penalty-Free Weeks at Maturity Beat Early Renewal Lock-In

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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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