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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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TMX Group Just Bet $800 Million That Canada Isn't Enough post image
By Julie Sheremeto
Aug 2, 2026

TMX Group Just Bet $800 Million That Canada Isn't Enough

A HELOC Isn't Free Money: Five Scenarios Where Borrowing Against Your House Actually Solves a Problem post image
By Julie Sheremeto
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A HELOC Isn't Free Money: Five Scenarios Where Borrowing Against Your House Actually Solves a Problem

Ottawa Row House at $575,000: Breaking Down the $3,847 Monthly Payment First-Time Buyers Actually Face post image
By Julie Sheremeto
Aug 1, 2026

Ottawa Row House at $575,000: Breaking Down the $3,847 Monthly Payment First-Time Buyers Actually Face

Oil and Gas Drive Canada's Economy to 3.4% Growth While Mortgage Holders Face Higher Rates post image
By Julie Sheremeto
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Oil and Gas Drive Canada's Economy to 3.4% Growth While Mortgage Holders Face Higher Rates

How Three Accounts Become One Mortgage: The Mechanics Canadian Brokers Actually Explain post image
By Julie Sheremeto
Aug 1, 2026

How Three Accounts Become One Mortgage: The Mechanics Canadian Brokers Actually Explain

Your Broker Probably Hasn't Mentioned the One Mortgage Product Banks Don't Advertise post image
By Julie Sheremeto
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Your Broker Probably Hasn't Mentioned the One Mortgage Product Banks Don't Advertise

A Geriatrician Just Joined a Mortgage Company, And That Should Worry Every Retirement Planner post image
By Julie Sheremeto
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A Geriatrician Just Joined a Mortgage Company, And That Should Worry Every Retirement Planner

Why Self-Employed Borrowers Should Submit Every Document Your Broker Asks For, Even Duplicates post image
By Julie Sheremeto
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Why Self-Employed Borrowers Should Submit Every Document Your Broker Asks For, Even Duplicates

Why Smart Buyers Run a Full Mortgage Audit Six Months Early, Not Three Weeks Late post image
By Julie Sheremeto
Jul 31, 2026

Why Smart Buyers Run a Full Mortgage Audit Six Months Early, Not Three Weeks Late

The Default Insurance Tax You Pay at Closing (Not in Your Mortgage) post image
By Julie Sheremeto
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The Default Insurance Tax You Pay at Closing (Not in Your Mortgage)

Zero Income, $5K in Debt: Why Your Spouse Should Still Be on the Mortgage post image
By Julie Sheremeto
Jul 31, 2026

Zero Income, $5K in Debt: Why Your Spouse Should Still Be on the Mortgage

Your Lender's IRD Formula Isn't the One They Advertise: A $438,000 Mortgage Math Breakdown post image
By Julie Sheremeto
Jul 30, 2026

Your Lender's IRD Formula Isn't the One They Advertise: A $438,000 Mortgage Math Breakdown

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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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