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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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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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By Julie Sheremeto
Aug 28, 2026

Your Estate Plan Is a Tax Donation: The Case for Transferring Wealth Now

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By Julie Sheremeto
Aug 28, 2026

Prime Rate Climbed to 4.45%: What Changed for Variable-Rate Debt in 7 Months

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By Julie Sheremeto
Aug 27, 2026

Canadian Household Debt Hits Record High as Anxiety Spending Becomes a Coping Mechanism

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By Julie Sheremeto
Aug 27, 2026

The Federal Budget Needs Structural Reform, Not Another Round of Tax Credits

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By Julie Sheremeto
Aug 27, 2026

BMO and Scotiabank's capital markets surge masks the real question: what happens when volatility fades?

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By Julie Sheremeto
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Alternative Mortgage Rates in August 2026: Calculate the Premium Before You Accept It

Your TFSA Is Not a Savings Account, and Treating It Like One Costs You Decades post image
By Julie Sheremeto
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Your TFSA Is Not a Savings Account, and Treating It Like One Costs You Decades

Ontario's Electricity Threat Exposes the Real Cost of Escalation post image
By Julie Sheremeto
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Ontario's Electricity Threat Exposes the Real Cost of Escalation

Canadian Imports from Iowa Drop $800 Million: Three Trade Shifts That Matter for Your Business post image
By Julie Sheremeto
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Canadian Imports from Iowa Drop $800 Million: Three Trade Shifts That Matter for Your Business

Salary vs. Dividends in 2025-2026: How Incorporated Professionals Lose $600K in Borrowing Capacity Without Realizing It post image
By Julie Sheremeto
Aug 25, 2026

Salary vs. Dividends in 2025-2026: How Incorporated Professionals Lose $600K in Borrowing Capacity Without Realizing It

How to Read a P/E Ratio Without Misleading Your Clients post image
By Julie Sheremeto
Aug 25, 2026

How to Read a P/E Ratio Without Misleading Your Clients

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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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