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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
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

How Richardson Wealth Structures Its Platform for Independent Advisors and Their Clients post image
By Julie Sheremeto
Sep 2, 2026

How Richardson Wealth Structures Its Platform for Independent Advisors and Their Clients

The CAD-to-USD Rate Hasn't Actually Changed, So Why Does Cross-Border Planning Still Matter? post image
By Julie Sheremeto
Sep 2, 2026

The CAD-to-USD Rate Hasn't Actually Changed, So Why Does Cross-Border Planning Still Matter?

CSA Rules Sports Bets Cannot Be Traded as Securities post image
By Julie Sheremeto
Sep 1, 2026

CSA Rules Sports Bets Cannot Be Traded as Securities

The Widening Fed-Canada Rate Gap: Currency Risk and Portfolio Adjustments for 2026 post image
By Julie Sheremeto
Sep 1, 2026

The Widening Fed-Canada Rate Gap: Currency Risk and Portfolio Adjustments for 2026

Ontario falling further behind its 1.5 million new homes target as ministers back away from the goal post image
By Julie Sheremeto
Aug 31, 2026

Ontario falling further behind its 1.5 million new homes target as ministers back away from the goal

Ontario's Housing Target Remains Out of Reach as Analysis Lags Reality post image
By Julie Sheremeto
Aug 31, 2026

Ontario's Housing Target Remains Out of Reach as Analysis Lags Reality

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By Julie Sheremeto
Aug 30, 2026

Why Canadian Parents Budget Year-Round for Education Costs

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By Julie Sheremeto
Aug 30, 2026

Toronto's HST Rebate Sent Single-Family Sales 50% Above Average While Condos Got Left Behind

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By Julie Sheremeto
Aug 29, 2026

SIMA Tells BCSC That Fee Discipline Is Not Optional Anymore

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By Julie Sheremeto
Aug 29, 2026

National Bank Beat Earnings and Lost 5%: What the Market Sees That You Don't

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By Julie Sheremeto
Aug 29, 2026

U.S. Steel Tariff Doubles to 50% in September: Lock Your Orders Now or Pay the Margin

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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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