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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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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

The Smith Manoeuvre at Purchase: Why Most First-Time Buyers Need to Wait (and How to Plan for It) post image
By Julie Sheremeto
Jul 30, 2026

The Smith Manoeuvre at Purchase: Why Most First-Time Buyers Need to Wait (and How to Plan for It)

Great-West Lifeco's $1B quarter: Strong sales, persistent outflows, and what it means for asset retention post image
By Julie Sheremeto
Jul 30, 2026

Great-West Lifeco's $1B quarter: Strong sales, persistent outflows, and what it means for asset retention

Canada's Housing Fix Requires $1.7 Trillion and Higher Rates for a Decade post image
By Julie Sheremeto
Jul 30, 2026

Canada's Housing Fix Requires $1.7 Trillion and Higher Rates for a Decade

The 6-Item Offset Mortgage Fit Test: Why Cash Flow Patterns Matter More Than Rate post image
By Julie Sheremeto
Jul 30, 2026

The 6-Item Offset Mortgage Fit Test: Why Cash Flow Patterns Matter More Than Rate

Why Kelowna's Hardest-to-Place Borrowers Call Rebecca Armitage After Everyone Else Passes post image
By Julie Sheremeto
Jul 29, 2026

Why Kelowna's Hardest-to-Place Borrowers Call Rebecca Armitage After Everyone Else Passes

How Your First Mortgage Payment Splits: A Dollar-by-Dollar Look at Amortization post image
By Julie Sheremeto
Jul 29, 2026

How Your First Mortgage Payment Splits: A Dollar-by-Dollar Look at Amortization

StatCan's Coming Population Revisions Will Erase Canada's Demographic Decline post image
By Julie Sheremeto
Jul 29, 2026

StatCan's Coming Population Revisions Will Erase Canada's Demographic Decline

The $5,000 RRSP Receipt That Saves You Taxes If You Split It Correctly post image
By Julie Sheremeto
Jul 29, 2026

The $5,000 RRSP Receipt That Saves You Taxes If You Split It Correctly

Offset Mortgages Let You Cut Interest Like a Lump-Sum Payment, While Keeping Every Dollar Liquid post image
By Julie Sheremeto
Jul 29, 2026

Offset Mortgages Let You Cut Interest Like a Lump-Sum Payment, While Keeping Every Dollar Liquid

Most Borrowers Plan to Prepay Their Mortgage and Then Never Do It post image
By Julie Sheremeto
Jul 29, 2026

Most Borrowers Plan to Prepay Their Mortgage and Then Never Do It

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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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