Advanced Mortgage Strategies

For every mortgage, there are TWO conversations. Have you had both?

In our first conversation, we’ll address the basic reason you reached out – traditional mortgage services:

You’re purchasing a home.
You’re renewing or switching your mortgage.
You’re refinancing to access your home’s equity.
You’re looking for the best rate.

Of course I’ll help you out there; any decent mortgage professional can.

The reason you may have heard of me is my SECOND conversation, which we make separate time for. In my view this chat is far more important: it’s about designing a mortgage for your long-term financial health.

Because the REAL challenges for Canadian homeowners are:

Cash flow.
Taxation.
The amount, not rate, of interest you pay over time.
Being “House Poor,” even in retirement.

Nothing will cost a Canadian more after-tax dollars in cumulative interest than your mortgage. And the most stifling dent to a household’s cash flow is that mortgage payment. And how do you save for the future?

A properly structured home mortgage plan can optimize your cash flow, save you $10,000’s or $100,000’s in interest, and get you out of “Bad” debt YEARS sooner.

Plus…a properly designed mortgage can be a vehicle for wealth creation…and income tax savings.

You just need the right tools and strategies: some of the latest are below.