Trusted Advice. Proven Results.
Clients appreciate the clarity and strategic value I bring to their mortgage planning.
Book your free Discovery Call to explore how the right mortgage strategy can support your financial goals.
Mortgages that work for YOU — NOT the Bank
Hi, I’m Andrew MacDonald. As a Mortgage Broker since 2015, I help Canadian homeowners and real estate investors transform their mortgages from a financial burden into a strategic tool. I show my clients how to reduce interest, lower taxes, and accelerate their path to financial freedom through advanced mortgage planning strategies and the proper mortgage structure.
Of course, you’ll always get competitive mortgage rates—but remember: the lowest interest rate doesn’t always mean the lowest overall cost. Banks and the media keep Canadians chasing rates instead of smarter mortgage strategies, causing homeowners and investors to unknowingly hand over thousands of dollars every year.
Frankly, it’s foolish to settle for the outdated “lowest rate” narrative when factors like tax efficiency, cash flow, and overall borrowing cost have a far greater impact on your financial future.
I specialize in advanced mortgage strategies that make your mortgage work harder for you, including:
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The Smith Manoeuvre: Make your mortgage interest tax-deductible, turning payments into tax refunds that eliminate your mortgage years sooner.
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Offset Mortgages: Link your income and savings directly to your mortgage to automatically reduce interest, pay it down faster, and keep instant access to your money—without changing your lifestyle.
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Rental Cash Damming: Use rental income to quickly convert non-deductible debt on your home or cottage into tax-deductible investment debt, creating tax refunds, improving cash flow, and paying off your mortgage sooner. If you have rental income, this strategy is a no-brainer.
These are just a few examples of the powerful strategies we can use. I’ll help you find the optimal mortgage structure tailored to your unique situation.
If you have at least 20% equity in your home and aren’t leveraging these strategies, you’re effectively donating your hard-earned money to the bank. Let’s put an end to that right now.
(First-time homebuyer? I’ll set you up today with a plan to smoothly transition into these advanced strategies—often by the time of your first renewal.)
How I Help Canadian Homeowners & Real Estate Investors
01.
Mortgage Planning
Smart Canadians know their mortgage is more than just debt—it’s a powerful financial tool. I help homeowners and landlords strategically structure their mortgages in tax-efficient ways to:
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Make mortgage interest tax-deductible
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Generate tax refunds to grow their portfolio and/or eliminate bad debt faster
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Optimize their cash flows and build wealth
The best part is we achieve this without requiring any additional contributions from you. It simply comes down to managing your cash flow more strategically, using the right mortgage structure.
02.
Real Estate Investor Financing
Successful investing requires strategic financing. I help investors:
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Efficiently access equity to expand their portfolios—approaching the right lenders in the right order to maximize borrowing capacity and minimize costs.
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Strategically transition into commercial financing for 5+ unit apartment buildings when the timing is right.
Whether you’re buying your first rental, scaling into apartment buildings, or already managing a large portfolio, I’ll ensure your financing aligns with your long-term investment goals, guiding you every step of the way.