For Canadian homeowners with $200K+ household income
Your mortgage isn't just a bill. It's the biggest wealth-building tool you own.
Book a free 20-minute call and find out how the right mortgage setup could help you pay off your home years faster, cut your tax bill, and retire sooner.
You're doing everything right. So why does it feel like you're barely getting ahead?
You make great money. You pay your mortgage on time. You're following the plan everyone told you to follow.
And yet the tax bill keeps growing, the mortgage barely moves, and retiring early feels like it's for other people.
The old Canadian playbook of "pay off your mortgage, then start building wealth" is exactly why high earners stay stuck. Your mortgage and your wealth were never supposed to be separate.
There's a smarter way to use the mortgage you already have.
Pay it off years faster.
Restructure how your money flows through your mortgage so more of every dollar kills principal instead of feeding interest.
Turn interest into tax savings.
Legal, CRA-recognized strategies used by wealthy Canadians for decades can convert mortgage interest into deductions.
Retire sooner.
Redirect what you save into investments, so your mortgage feeds your net worth while you live your life.
These are established strategies like the Rental Cash Damming, Offset Mortgages, and others. On your call, Tom will tell you which one fits your situation, or if none of them do.
First things first: we're mortgage brokers.
Purchases, renewals, refinances. That's our day job, and we'll shop the market to get you a great mortgage like any good broker would.
The difference is what happens next. Most brokers stop at the rate. We look at how your mortgage fits your whole financial picture, so every renewal or refinance becomes a chance to get ahead instead of just another five-year term.
Coming up on a renewal? That's actually the perfect time to talk.
Here's exactly what happens next.
- 1
Book your free call.
Fill out the short intake form so Tom understands your situation before you talk.
- 2
Get your strategy.
In 20 minutes, Tom looks at your income, mortgage, and goals, and tells you what fits best.
Why listen to me?
I spent 7 years as a career firefighter. Good money, great pension, the "safe" path. And I still felt like I wasn't doing enough with what I had.
So I learned how wealthy Canadians actually use their mortgages, applied the strategies to my own home first, and became a mortgage broker to bring them to people like you.
Today I run one of Canada's fastest-growing mortgage teams, I was named a Top 40 Under 35 broker, and became the #1 broker on social media from speaking about the strategies we help our clients with.
Tom Moffat, Mortgage Broker
What homeowners say after working with us
5.0Rated 5 stars on Google with over 100 reviews
Unlike other experiences I've had, they took the time to truly educate me on the Manulife One product and the cash damming strategy, running detailed projections to ensure I fully understood the path forward. Tom, Kyle, Doug, and Darren were all incredibly helpful, transparent, and patient throughout the entire process. If you're looking for a mortgage broker who provides both expert financial strategy and exceptional service, I highly recommend this team.
Incredible group to work with and educate you on all things related to your mortgage and other financials. They take a different approach and make sure to educate you before signing you up which goes a long way. Great team finding the right products for you. The video walk throughs via email are a fantastic touch!
Tom and Diana were a huge help with getting us the best rate for our mortgage. For each house we looked at Tom went over the numbers with us as our budget increased to make sure we felt comfortable with the payments and it was nice knowing exactly what our expenses will be with the excel charts he made. He's also super personable by sending videos explaining what the budget was.
Questions people ask before booking
Your mortgage is already working. The only question is who for.
20 minutes could change the next 20 years. Book your free strategy call now.