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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

Featured post
Norway's $80 Billion Treasury Cut Signals Index Rebalancing, Not Economic Alarm post image
By Julie Sheremeto
Sep 10, 2026

Norway's $80 Billion Treasury Cut Signals Index Rebalancing, Not Economic Alarm

The 70% failure rate advisors ignore: why heir preparation determines which families keep wealth post image
By Julie Sheremeto
Sep 10, 2026

The 70% failure rate advisors ignore: why heir preparation determines which families keep wealth

Chrétien's Counter-Tariff Playbook: Why Canada Can't Blink First post image
By Julie Sheremeto
Sep 9, 2026

Chrétien's Counter-Tariff Playbook: Why Canada Can't Blink First

Your kid will blow their first paycheque anyway, let them practice now with $20 post image
By Julie Sheremeto
Sep 9, 2026

Your kid will blow their first paycheque anyway, let them practice now with $20

How a 42-Year-Old Solo Business Owner Restructured Her Income to Buy in Toronto post image
By Julie Sheremeto
Sep 8, 2026

How a 42-Year-Old Solo Business Owner Restructured Her Income to Buy in Toronto

CUSMA's Six-Year Review Cycle Just Became Permanent, Why That Changes Your 2027 Planning post image
By Julie Sheremeto
Sep 8, 2026

CUSMA's Six-Year Review Cycle Just Became Permanent, Why That Changes Your 2027 Planning

Alberta and Ontario pension funds hit record solvency ratios: provincial outlier or national momentum? post image
By Julie Sheremeto
Sep 8, 2026

Alberta and Ontario pension funds hit record solvency ratios: provincial outlier or national momentum?

80% of Canadians Expect Their Bank to Advocate on Cost of Living. Most Banks Aren't Ready. post image
By Julie Sheremeto
Sep 7, 2026

80% of Canadians Expect Their Bank to Advocate on Cost of Living. Most Banks Aren't Ready.

Canada's U.S. Export Share Falls to 66%: Time to Diversify or Double Down? post image
By Julie Sheremeto
Sep 7, 2026

Canada's U.S. Export Share Falls to 66%: Time to Diversify or Double Down?

How to Rebalance a Portfolio When Canada's Climate Forecast Hits 5°C post image
By Julie Sheremeto
Sep 7, 2026

How to Rebalance a Portfolio When Canada's Climate Forecast Hits 5°C

Three Divergent Rate Forecasts Follow Bank of Canada Inflation Guidance post image
By Julie Sheremeto
Sep 6, 2026

Three Divergent Rate Forecasts Follow Bank of Canada Inflation Guidance

National home sales fell 5.3% in July: what continued contraction means for your timeline post image
By Julie Sheremeto
Sep 6, 2026

National home sales fell 5.3% in July: what continued contraction means for your timeline

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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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