Cash Damming

If you generate income from investments, rental properties, a business, or even a tenanted suite, you’ve likely structured your finances the conventional way – keeping those income streams separate from the mortgage on your principal residence.

There’s a more effective approach.

I can show you a proven, unconventional method of re-routing your income so your assets continue to grow, your mortgage is paid off faster, and your personal tax bill decreases — all without changing your actual cash flow. This technique, known as Cash Damming, is a core component of the Smith Manoeuvre™.

If you’d like to understand how this can work in your situation, book a call for a broad-strokes discussion. With the right coordination between your financial advisors and my mortgage design, this strategy can unlock significant long-term advantages.

Traditional Cash Flow Management: Debt Consolidation and Re-Amortizing

When refinancing, optimizing household cash flow is often a cornerstone of the strategy. Together, we look at the full picture of your debts – your current mortgage, credit cards, lines of credit, auto financing, personal or student loans, and more.

We examine:
• The interest rates you’re paying
• The monthly obligations attached to each balance
• The total volume of interest draining your after-tax income

After factoring in your living expenses, we identify the point at which a restructured mortgage gives you the greatest advantage: lower payments, lower interest, less waste – and meaningful breathing room.