Strategic Mortgage Planning for Canadians Who Want More Than Just a Low Rate
Hi, I’m Andrew MacDonald. I’m a Smith Manoeuvre Certified Mortgage Broker, real estate investor, and strategic thinker with over 10 years of experience helping Canadians make their mortgages work for them.
Where most brokers focus on rates, I focus on results. I specialize in advanced mortgage planning strategies that reduce interest, lower taxes, and accelerate financial freedom. My clients include homeowners and real estate investors who are ready to go beyond basic mortgage advice and start using their mortgage as a tool to grow their net worth.
What Sets Me Apart
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Over 20 years in finance and analytics, including roles in banking, credit strategy, and operational consulting
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More than 10 years as a Mortgage Broker, advising on thousands of transactions with a focus on tax efficiency and long-term growth
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15+ years as a real estate investor, with firsthand insight into structuring financing for portfolio expansion
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Former Head of Operations for two leading investor-focused mortgage brokerages, where I built and managed high-performing systems and trained staff to consistently deliver a high-quality client experience
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Deep expertise in working with the right lenders in the right order to help clients qualify for more, borrow smarter, and grow faster
Today, I work one-on-one with clients to design and implement powerful strategies tailored to their goals. These include:
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The Smith Manoeuvre
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Offset Mortgages
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Rental Cash Damming
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Debt swaps, cash flow optimization, and more
This is about more than just finding you a mortgage. It’s about aligning your mortgage with your bigger financial picture to help you build wealth faster and more efficiently.
My Philosophy
I believe financial success doesn’t come from just working harder or cutting back on small expenses like lattes. While good habits help, meaningful results come from working smarter. Your mortgage can be one of the most powerful financial tools you’ll ever use. When structured the right way, it can help you:
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Significantly reduce taxes and interest
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Pay off your mortgage years sooner
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Build lasting wealth without changing your lifestyle
Beyond the Business
When I’m not helping clients build wealth, I’m usually playing sports or spending time outdoors. I’ve run a marathon, played competitive squash, and enjoy 2s beach volleyball, tennis, and, more recently, pickleball. I enjoy being in nature so much that I built my own cottage from the ground up, and now live off-grid full time thanks to Starlink making it possible to work remotely from our peaceful retreat.
I get just as much fulfillment working with my hands as I do working with numbers. Whether it’s keeping up with maintenance on one of my motorized toys or starting another project around the cottage, I’m always building, fixing, or figuring something out.
In the winter, I love getting out on the sled and riding the local trails. In the summer, I’m usually putting around on the ATV, out on the lake, going for a swim, or unwinding by the fire. Being surrounded by nature helps me stay grounded and keeps things in perspective. It’s the perfect way to reset after a week of screen time and fast-paced work.
I also collaborate closely with my wife, a licensed Realtor and CMHC Commercial Mortgage Underwriter. She brings valuable insight for clients investing in real estate, especially those working with 5+ unit apartment buildings.
Ready to Take a Smarter Approach?
If you’re ready to stop overpaying and start making your mortgage work for you, let’s connect.