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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 3% Annual Raise Is a Pay Cut in Disguise post image
By Julie Sheremeto
Sep 6, 2026

Your 3% Annual Raise Is a Pay Cut in Disguise

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Fidelity Investments Canada Built 32 Free Videos for Ontario's Grade 10 Financial Literacy Requirement

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By Julie Sheremeto
Sep 5, 2026

Greater Vancouver's Benchmark Price Fell to $1,081,900 in August: When to Buy, When to Wait

Coinbase's Derivatives Play Isn't About Access, It's About Collateral Control post image
By Julie Sheremeto
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Coinbase's Derivatives Play Isn't About Access, It's About Collateral Control

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By Julie Sheremeto
Sep 4, 2026

The Bank of Canada Held Rates at 2.25% for a Seventh Straight Time. Here's What It Does to Fall Inventory.

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By Julie Sheremeto
Sep 4, 2026

GRF's Canadian Entry Signals Growing Cross-Border Demand Among Ultra-High-Net-Worth Families

Canada's Population Is Shrinking: Why Your Housing Bet Just Got Riskier post image
By Julie Sheremeto
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Canada's Population Is Shrinking: Why Your Housing Bet Just Got Riskier

Canadian banks' wealth management units now deliver earnings stability retail once promised post image
By Julie Sheremeto
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Canadian banks' wealth management units now deliver earnings stability retail once promised

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By Julie Sheremeto
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Bank of Canada Holds Rates at 2.25% While Trade War Removes All Other Options

Laurentian Bank Sold to Fairstone After Decades as Quebec's Independent Mid-Tier Lender post image
By Julie Sheremeto
Sep 3, 2026

Laurentian Bank Sold to Fairstone After Decades as Quebec's Independent Mid-Tier Lender

1.2 Million Households Face 2026 Mortgage Renewal, Not $300 Billion in Fixed Loans post image
By Julie Sheremeto
Sep 3, 2026

1.2 Million Households Face 2026 Mortgage Renewal, Not $300 Billion in Fixed Loans

Ontario banned mutual fund redemption fees in June 2022 post image
By Julie Sheremeto
Sep 2, 2026

Ontario banned mutual fund redemption fees in June 2022

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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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