At Wise Equity, we help clients take control of their financial futures with our Mortgage Plans. By incorporating the Smith Manoeuvre and the Canada Revenue Agency (CRA) approved tax strategy – Cash Damming, we transform your traditional mortgage into a powerful wealth-building tool. Our automated plan focuses on: accelerating your ability to pay off your mortgage, and grow your investments without any additional income.
To be the #1 trusted partner for Canadians who want to turn their home equity into an investment vehicle and improve their quality of life
Our mortgage plan allows clients to pay off their mortgage much faster than traditional methods—often in as little as 10 to 13 years instead of 25+ years.
A key benefit of our mortgage plan is making the interest on borrowed funds tax-deductible. When you borrow to invest, the interest on the loan can be deducted, lowering your taxable income.
By re-borrowing your home equity to invest in income-generating assets, you build a diversified portfolio. These investments, such as stocks, bonds, or real estate, can generate returns that outpace borrowing costs, helping you grow your wealth.
Step 1 Readvancable Mortgage
investments, such as stocks, bonds, or real estate, can generate returns that outpace borrowing costs, helping you grow your wealth.
Step 2 Make Mortgage Payment
By using these borrowed funds with the intent to generate income, the interest on the loan becomes tax-deductible.
Step 3 Access Home Equity
The interest on the investment loan becomes tax-deductible, lowering your taxable income, resulting in a tax refund.
Step 4 Generate Income
You can then apply that refund toward your mortgage, which increases the equity available for further borrowing and investing.
Step 5 Enjoy Tax Refunds and Repeat
This creates a cycle where you reduce your mortgage faster and grow your investment portfolio at the same time.
You’ve worked hard your entire life, and you deserve a retirement filled with comfort, security, and peace of mind. At Wise Equity, we understand that retirement is about more than just saving—it’s about making smart, informed choices that reflect the years of dedication you’ve put into building your future. That’s why we go beyond traditional retirement planning, helping you optimize your mortgage strategy so you can enjoy your Golden Years.
As the cost of living / inflation increases financial priorities shift, and your mortgage plays a crucial role in your overall strategy. Whether you’re aiming to pay off your mortgage, downsize to a more manageable home, or access your home’s equity for additional funds, understanding your mortgage options is key to ensuring financial stability in retirement.
At Wise Equity, we simplify business financing with customized solutions to meet your unique needs. Discover our range of financing strategies below, each crafted to help you achieve your business goals.
Get a free no-obiligation consultation. Enter your details below and we’ll get back to you as soon as we can.
Wise Equity Mortage System
Unlock financial freedom with our Smith Maneuver and Cash Damming powered mortgage plan.
PREQUALIFY
ASSESMENT
IMPLEMENTATION
For many Canadians, their mortgage is the biggest monthly expense. While paying it off feels rewarding, the interest is not tax-deductible in Canada. This is why the Smith Maneuver has become a popular strategy for turning mortgage debt into tax-deductible
For many Canadians, a mortgage is the biggest financial commitment of their lives. While paying off a mortgage feels like progress, the interest you pay is not tax-deductible in Canada. This is where the Smith Maneuver comes in—a unique wealth-building
When planning for retirement, one of the most important factors to consider in a reverse mortgage is the reverse mortgage interest rates. These rates directly impact how much you can borrow, how quickly your loan balance grows, and ultimately, how
When planning for a financially secure retirement, knowing exactly how much equity you can access from your home is essential. A reverse mortgage calculator is one of the most effective tools for getting that answer quickly. It provides a clear
Getting approved for a traditional mortgage after 65 can be challenging. Many Canadian lenders view retirees as higher-risk borrowers, especially if their income comes primarily from pensions or savings. But being turned down for a mortgage doesn’t mean you’re out
For many Canadian homeowners, the idea of tapping into home equity without giving up the place they’ve lived in for decades is a dream. This is where a reverse mortgage becomes a practical, secure, and increasingly popular solution. In this
At Wise Equity, we are more than just mortgage consultants—we are Smith Maneuver certified experts dedicated to helping our clients build long-term wealth and increase their retirement funds through advanced mortgage and investment planning. With over $100 million in mortgages funded, our proven strategies have helped countless Canadian homeowners pay off a 30-year mortgage in as little as 10 years.
Our mission is simple: to empower our clients with the knowledge and tools to make informed decisions that align with their financial goals. By blending traditional mortgage practices with innovative financial strategies, we help our clients optimize their mortgage, reduce debt, and grow your assets for an enjoyable retirement. Financial education is at the core of everything we do, ensuring that our clients are in control of their financial future.
Wise Equity Investing Plans:
Wise Equity Reverse Mortgage Plan:
Corporate Office:
Wise Equity 100 King St W,
Suite 5700, Toronto, ON M5X 1C7
Mortgage Brokers:
Phone number:
Email:
A Division of:
Verico MortgagePal Inc.
FSRAO Brokerage #12685
1315 Stanton Road Ottawa ON K2C3E1
OFFICIAL CHANNELS:
All Rights Reserve | Copyrights © 2024 wise equity