We can help you pay your mortgage faster — without changing your payments.
A comprehensive strategy that transforms your mortgage debt into a wealth-creation engine
Leverages home equity to eliminate high-interest, and non-deductible debt while building tax-advantaged investments
Own your home sooner — and build lasting wealth at the same time1.
1. Depending on market performance and discipline. Investment performance is not guaranteed
Conventional mortgages may take decades to pay off
Consumer debt could compound at 8-20% annually
Equity locked in home, not working for you
Mortgage interest cannot be deducted
Home equity alone can't fund 25-30 year retirement
The Mortgage Freedom Program requires a minimum level of home equity, strong household income, and good financial habits to be effective. Check your eligibility below.
Yes, leveraged investing amplifies both gains and losses. If the investment portfolio declines in value, you still owe the borrowed amount. The Mortgage Freedom Program mitigates risk by focusing on long-term time horizons (10-25 years), ensuring positive cash flow, and typically utilizing conservative, well-diversified portfolios rather than speculative assets.
The program is designed with buffer room in the client's cash flow. If borrowing rates rise, the tax-deductibility of the interest lessens the blow (e.g., a 6% borrowing rate is effectively 3.6% after tax at a 40% margin). Regardless, stress-testing interest rates is a mandatory part of the setup process.
The Canada Revenue Agency (CRA) allows you to deduct interest paid on money borrowed to earn investment income. As long as the loan structure is maintained strictly separate from personal debt, and the funds are invested in income-producing assets, the interest remains deductible. However, individual tax rates and situations change, so the exact refund amount will vary.
No. One of the core principles of the Mortgage Freedom Program is that it redirects your existing cash flow (regular income) through your readvanceable mortgage to accelerate principal paydown. You do not need to cut back on your lifestyle to make the strategy work, although saving more always speeds up the timeline.