Advanced Mortgage Planning
Strategies for BC’s extraordinary homeowners: business owners, executives, landlords, investors and retirees.
For every mortgage, there are TWO conversations. Have you had both?
FIRST, we’ll address your immediate need:
- You’re purchasing a home.
- You’re refinancing for flexibility and access to home equity.
- You’re renewing or switching your mortgage.
- You’re looking for the best rate.
Any competent mortgage professional should be able to help with those, and I’m happy to jump on it.
A SECOND conversation is where the better work is often done. We’ll start glimpsing at whether your mortgage could be (re)designed to:
- Complement your other advisors’ financial & tax plans.
- Improve cash flow – before & after tax.
- Preserve liquidity – not be as “house poor.”
- Reduce cumulative interest cost and payoff time.
- Mitigate exposure to penalties.
- Support retirement.
Not every client needs an advanced solution. But if we find your mortgage might be intersecting with taxation, investment, business ownership, retirement, or a larger family plan, we’ll be broaching that second conversation.
SOME CONCEPTS AND TOOLS ARE BELOW. If you’re wondering whether your mortgage should be doing more, book a call. We’ll start in plain English before we talk any strategy.
Advanced mortgage planning for BC homeowners
Offset Mortgages
Canada’s most unique, mortgage-based, financial product.
Reverse Mortgages
Sometimes, a reverse mortgage is the best way forward.
The Smith Manoeuvre™
A mortgage strategy for wealth creation and tax deductions.