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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
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

Canada Doesn't Send 75% of Exports to the U.S., It's 71.7%, and Here's Why That Matters post image
By Julie Sheremeto
Aug 25, 2026

Canada Doesn't Send 75% of Exports to the U.S., It's 71.7%, and Here's Why That Matters

When Divorce Drains Your RRSP, CPP at 65 Becomes the Floor post image
By Julie Sheremeto
Aug 24, 2026

When Divorce Drains Your RRSP, CPP at 65 Becomes the Floor

Why the Strait of Hormuz Now Matters to Your 2026 Mortgage Renewal post image
By Julie Sheremeto
Aug 24, 2026

Why the Strait of Hormuz Now Matters to Your 2026 Mortgage Renewal

CRA Denies Legal Fee Deduction When You Pay Someone Else's Bill post image
By Julie Sheremeto
Aug 23, 2026

CRA Denies Legal Fee Deduction When You Pay Someone Else's Bill

The Co-Signer Trap: How Falling Home Prices Turn Shared Ownership Into a Liability post image
By Julie Sheremeto
Aug 23, 2026

The Co-Signer Trap: How Falling Home Prices Turn Shared Ownership Into a Liability

Why Employment Contracts Trump Working Habits for Home Office Deductions post image
By Julie Sheremeto
Aug 23, 2026

Why Employment Contracts Trump Working Habits for Home Office Deductions

Two quiet factors holding mortgage rates below where they'd otherwise be post image
By Julie Sheremeto
Aug 23, 2026

Two quiet factors holding mortgage rates below where they'd otherwise be

Two quiet factors holding mortgage rates below where they'd otherwise be post image
By Julie Sheremeto
Aug 23, 2026

Two quiet factors holding mortgage rates below where they'd otherwise be

The 3.94% Rate Everyone Quotes Isn't the Rate Most Borrowers Actually Get post image
By Julie Sheremeto
Aug 21, 2026

The 3.94% Rate Everyone Quotes Isn't the Rate Most Borrowers Actually Get

Diversification carries risks Canadian advisors rarely name to clients post image
By Julie Sheremeto
Aug 20, 2026

Diversification carries risks Canadian advisors rarely name to 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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