indebtonpurpose icon
  • Home
  • About
Get Free Access
indebtonpurpose icon
  • Home
  • About
Get Free Access

Subscribe to New Posts

Turn your mortgage into a wealth-building tool. Smith Manoeuvre strategies, tax-smart planning, and honest math from two Canadian mortgage strategists.

Subscribe (Free) indebtonpurpose cover image
Why Homeowners With 25% Equity and Cash Are Leaving Deductions on the Table post image
By Christina Pentlichuk
Jul 8, 2026

Why Homeowners With 25% Equity and Cash Are Leaving Deductions on the Table

Toronto's 9% Year-Over-Year September Sales Decline Masks Mixed Seasonal Signals post image
By Christina Pentlichuk
Oct 7, 2026

Toronto's 9% Year-Over-Year September Sales Decline Masks Mixed Seasonal Signals

Toronto's Housing Shortage Was Written Into Its Zoning Rules post image
By Christina Pentlichuk
Oct 7, 2026

Toronto's Housing Shortage Was Written Into Its Zoning Rules

Shifting Your Mortgage to a Rental? Rerun the Numbers at 4.64% to 5.08% post image
By Christina Pentlichuk
Oct 7, 2026

Shifting Your Mortgage to a Rental? Rerun the Numbers at 4.64% to 5.08%

Toronto Sellers Waiting for More Competition Just Got Their Answer: 2.25% post image
By Christina Pentlichuk
Oct 4, 2026

Toronto Sellers Waiting for More Competition Just Got Their Answer: 2.25%

The Self-Employed Gross-Up Rule Still Sits at 15%, But OSFI's Application Keeps Changing Your Multiple post image
By Christina Pentlichuk
Oct 4, 2026

The Self-Employed Gross-Up Rule Still Sits at 15%, But OSFI's Application Keeps Changing Your Multiple

Wells Fargo Says Rising Bond Yields Should Force You to Rethink Your Stock Portfolio post image
By Christina Pentlichuk
Oct 2, 2026

Wells Fargo Says Rising Bond Yields Should Force You to Rethink Your Stock Portfolio

At the Top Tax Bracket, Every Dollar of Rental Interest Returns 53 Cents: Why the Smith Manoeuvre™ Is a High-Income Play post image
By Christina Pentlichuk
Oct 1, 2026

At the Top Tax Bracket, Every Dollar of Rental Interest Returns 53 Cents: Why the Smith Manoeuvre™ Is a High-Income Play

China's Treasury retreat to record lows rewrites the rules for bond investors post image
By Christina Pentlichuk
Sep 30, 2026

China's Treasury retreat to record lows rewrites the rules for bond investors

GIC Rates Below 4.2% Flip the Smith Manoeuvre™ Math From Marginal to Compelling post image
By Christina Pentlichuk
Sep 27, 2026

GIC Rates Below 4.2% Flip the Smith Manoeuvre™ Math From Marginal to Compelling

Why Canada's falling debt ratio won't lower your mortgage rate post image
By Christina Pentlichuk
Sep 27, 2026

Why Canada's falling debt ratio won't lower your mortgage rate

Shortening Your Mortgage Amortization at Renewal Eliminates the Cash Flow Control You'll Actually Need post image
By Christina Pentlichuk
Sep 27, 2026

Shortening Your Mortgage Amortization at Renewal Eliminates the Cash Flow Control You'll Actually Need

Your Primary Residence Mortgage Is the Only Debt You Should Pay Off Early post image
By Christina Pentlichuk
Sep 26, 2026

Your Primary Residence Mortgage Is the Only Debt You Should Pay Off Early

Load More
indebtonpurpose icon

The strategies most Canadians don't hear about from their bank.

Featured Posts

Why Homeowners With 25% Equity and Cash Are Leaving Deductions on the Table post image
By Christina Pentlichuk
Jul 8, 2026

Why Homeowners With 25% Equity and Cash Are Leaving Deductions on the Table

Explore Categories

Site cover image
Subscribe to New Posts Turn your mortgage into a wealth-building tool. Smith Manoeuvre strategies, tax-smart planning, and honest math from two Canadian mortgage strategists. Subscribe (Free)
Subscribe to New Posts

Turn your mortgage into a wealth-building tool. Smith Manoeuvre strategies, tax-smart planning, and honest math from two Canadian mortgage strategists.

Subscribe (Free)
Site cover image
indebtonpurpose icon

The strategies most Canadians don't hear about from their bank.

  • Sign up
Copyright © 2026 indebtonpurpose.