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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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Your Savings Account Loses 3% a Year: Why High-Income Earners Pay More for Liquidity Than They Think post image
By Julie Sheremeto
Sep 14, 2026

Your Savings Account Loses 3% a Year: Why High-Income Earners Pay More for Liquidity Than They Think

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By Julie Sheremeto
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How to Keep Your Existing Mortgage Rate Through a Divorce in Ontario

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Ontario's Financial Literacy Videos Cite a $7,000 TFSA Limit That's Now $109,000—a Gap That Confuses New Savers post image
By Julie Sheremeto
Sep 13, 2026

Ontario's Financial Literacy Videos Cite a $7,000 TFSA Limit That's Now $109,000—a Gap That Confuses New Savers

Ohio Manufacturers Face Disruption from Trump's Canada Tariffs post image
By Julie Sheremeto
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Ohio Manufacturers Face Disruption from Trump's Canada Tariffs

Canada's 4.7 Million Home Target Requires Policy Overhaul, Not Just More Construction post image
By Julie Sheremeto
Sep 12, 2026

Canada's 4.7 Million Home Target Requires Policy Overhaul, Not Just More Construction

Canada's Housing Shortage Holds at 3.5 Million Units: What the Stalled Figure Means for Your Investment post image
By Julie Sheremeto
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Canada's Housing Shortage Holds at 3.5 Million Units: What the Stalled Figure Means for Your Investment

The TFSA Contribution Room Just Hit $109,000, Which Changes Everything About How You Should Use It post image
By Julie Sheremeto
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The TFSA Contribution Room Just Hit $109,000, Which Changes Everything About How You Should Use It

Lock In Your Line of Credit While You Still Qualify: Why Income Timing Matters More Than Equity post image
By Julie Sheremeto
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Lock In Your Line of Credit While You Still Qualify: Why Income Timing Matters More Than Equity

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By Julie Sheremeto
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The Home Equity Paradox: Why You Should Borrow Before You Need To

Why institutional trust in Canada isn't translating into deployed capital post image
By Julie Sheremeto
Sep 11, 2026

Why institutional trust in Canada isn't translating into deployed capital

CSA Data Portability Report Exposes KYC Obstacles Preventing Seamless Advisor Transfers post image
By Julie Sheremeto
Sep 11, 2026

CSA Data Portability Report Exposes KYC Obstacles Preventing Seamless Advisor Transfers

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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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