The information herein is provided for general informational purposes only and does not constitute mortgage advice. The views expressed herein are those of Toma Sojonky and do not necessarily represent the views of Verico Paragon Mortgage Inc. or Tango Financial Holdings Inc.

Mortgage products, lender programs, qualification criteria, and regulatory requirements change over time and may differ between jurisdictions. Although efforts are made to keep this information current and accurate, no guarantee is made as to its completeness, accuracy, applicability, or compliance with current regulations.

All mortgage and sub-mortgage brokering activities referenced herein are governed by British Columbia’s Mortgage Services Act (MSA) (formerly the Mortgage Brokers Act) and the related Rules and Regulations administered by the BC Financial Services Authority (BCFSA). The information provided herein is general in nature and may not reflect the full scope of obligations, standards, or requirements under the MSA/MBA or future regulatory changes. Please seek the services of a local mortgage professional if the property you are considering mortgaging is not located in British Columbia.

Content referring to the “Smith Manoeuvre” or elements thereof must not be interpreted as mortgage, legal, accounting, tax, or investment advice. Before acting on any such information, seek independent advice from appropriately qualified professionals licensed in British Columbia, including (as applicable) lawyers, CPAs, tax advisors, and investment professionals. Viewers are urged to contact Smith Manoeuvre Certified Professionals (SMCPs).

Use of the information herein does not create a client–broker relationship. A formal engagement – including required disclosures, consents, mortgage applications, and suitability assessments – must be completed before any personalized advice or recommendations can be provided.

Toma Sojonky disclaims all liability for any actions taken based on any information presented on his website or on his social media channels. For mortgage advice tailored to your circumstances and compliant with regulatory requirements, please contact Toma directly. Errors & Omissions Excepted.