A Smarter Approach to Mortgages

For most Canadians, their mortgage is the single biggest financial commitment they’ll ever make. But the reality is, most people are never shown how to use their mortgage strategically. They focus on the rate, without realizing how much more powerful their mortgage could be if it were structured properly.

That’s where mortgage planning comes in.

I help clients go beyond basic rate shopping by aligning their mortgage with their long-term goals—whether that’s reducing non-deductible debt faster, improving tax efficiency, freeing up cash flow, or using their mortgage to build wealth.

What Is Mortgage Planning?

Mortgage planning is about more than just getting approved. It’s about designing a mortgage strategy that works for your financial life—not just today, but 5, 10, or 25 years down the road.

With the right structure in place, you can:

  • Turn non-deductible debt into tax-deductible investment debt

  • Use tax refunds to eliminate debt faster

  • Free up cash flow to invest or pay down your mortgage

  • Build long-term net worth without changing your lifestyle

This is how we turn your mortgage into a powerful financial tool.

Why Work With Me

Here are several reasons clients choose me to help plan and structure their mortgage:

  • Strategic, goal-focused advice: I start by understanding your financial goals, then structure your mortgage accordingly to reduce interest, lower taxes, and improve cash flow.

  • Access to better options: I have access to dozens of lenders and volume-based pricing not available to all agents and brokers. Instead of asking your bank what they can offer, I help you determine the best structure and then seek out competitive terms available in the market.

  • Advanced planning expertise: I specialize in strategies like the Smith Manoeuvre, Offset Mortgages, Rental Cash Damming, and other tax-efficient concepts that can turn your mortgage into a wealth-building tool.

  • Experience across all borrower types: Whether you’re a first time home buyer, existing homeowner, or real estate investor, I’ve advised on thousands of mortgage transactions and know how to position your file for the best result.

  • Investor-focused from day one: I purchased my first rental property in 2010 and have been actively involved in real estate investing ever since. I know firsthand how important financing strategy is when it comes to building and scaling a portfolio.

  • Expert-level support, built from experience: For 8 years, I worked for two of Canada’s top investor-focused brokerages, where I trained underwriters and fulfillment staff, built operational systems, and oversaw strategy on hundreds of borrowing-to-invest scenarios. That hands-on experience means you get a mortgage process that’s efficient, strategic, and designed to help you avoid costly mistakes.

  • Private lending insight: As a private lender myself, I understand how deals are evaluated from the other side of the table. This insight allows me to strengthen your application and anticipate potential roadblocks before they happen.

  • Fully underwritten pre-approvals: Most borrowers don’t realize that pre-approvals are often just rough estimates based on whatever info they’ve put on an application. Many mortgage agents and banks wait until there’s a live deal to review documents, which is when issues often come up and financing falls apart. We ensure every pre-approval or pre-qualification is fully underwritten with all key documents reviewed upfront so that you get accurate numbers you can rely on, and the confidence to shop without wondering if your financing will come through.

  • Collaborative perspective: I also work closely with my wife, who is both a licensed Realtor and a CMHC Commercial Mortgage Underwriter. Her insight adds tremendous value for investor clients looking to scale into 5+ unit apartment buildings or explore CMHC-insured financing options.

  • Client-first process: I aim to make things simple and strategic. You’ll receive clear advice, a smart plan, and full transparency every step of the way.

  • Social proof you can trust: Don’t just take my word for it. Visit the Testimonials page or check out some Google Reviews to see what other clients have said about working with me.

Let’s Plan a Smarter Mortgage

Whether you’re buying your first home, refinancing, or looking to implement more advanced strategies, smart mortgage planning starts with the right advice.