The Smith Manoeuvre
Mini-Course for Canadian Homeowners

Smith Manoeuvre Course Canada | Free Online Course | Austin Yeh
Free Online Course · Smith Manoeuvre Certified

Stop choosing between paying down your mortgage
and investing. Do both.

The Smith Manoeuvre is a CRA-approved strategy that lets you build wealth and pay off your home at the same time — without changing your income or monthly payments. This free course explains exactly how it works.

Start the Free Course → Read the overview first

Free · Account required to track progress · No credit card

The problem most homeowners face

Most Canadians Think It's One or the Other

You've got a mortgage to pay down. You also want to invest and build wealth. With limited cash flow, it feels like you have to pick one. The Smith Manoeuvre removes that tradeoff entirely.

❌ The Old Way

Pay down mortgage OR invest

Every extra dollar either goes to your mortgage principal or into investments. You're making a choice every month, and whichever you pick, you feel like you're missing out on the other.

✓ The Smith Manoeuvre

Pay down mortgage AND invest

Your regular mortgage payments pay down principal, creating HELOC room. You borrow that room to invest. The investment interest becomes tax-deductible. The refund accelerates your mortgage. Both happen simultaneously.

On top of that — if you're in a higher tax bracket, the annual tax refund from the deductible interest is significant. But this strategy isn't only for high-income earners. Any Canadian homeowner with a mortgage and a long-term mindset can benefit.

Want to run the numbers first?

Use the Smith Manoeuvre Calculator to see how this could work for your specific mortgage, rate, and timeline — before taking the course.

Open the Calculator →
What's inside

What the Course Covers

This course focuses on the concept, the mechanics, and whether the strategy makes sense for your situation. It's not a case study library — it's a clear explanation of how the Smith Manoeuvre actually works, built for someone starting from zero.

1

Why your mortgage interest isn't tax-deductible — and how to change that

The fundamental difference between good debt and bad debt, and how the Smith Manoeuvre converts one into the other using a structure the CRA explicitly allows.

2

How a readvanceable mortgage and HELOC make this possible

The specific mortgage structure required, how HELOC room is created with every principal payment, and why this only works with the right lender setup.

3

How the cash flow loop works — step by step

A plain-language walkthrough of each monthly cycle: mortgage payment → HELOC room → invest → deduct interest → tax refund → faster payoff. No jargon.

This course teaches the concept and framework — not a one-size-fits-all formula. Every mortgage is different. The goal is to give you enough understanding to have an intelligent conversation about your specific situation.
Is this for you?

Who the Smith Manoeuvre Is For

This isn't just for high earners. It works for any Canadian homeowner who's tired of watching their mortgage interest disappear with nothing to show for it.

Anyone with a Canadian mortgage

If you own a primary residence and are making monthly mortgage payments, you're paying interest that could be working harder for you.

People who want to invest but feel cash-strapped

The Smith Manoeuvre doesn't require extra cash. Your regular mortgage payments create the structure — nothing additional comes out of your pocket.

High-income earners looking to reduce taxes

The higher your marginal tax rate, the larger your annual refund from the interest deduction. If you're paying 40%+ in taxes, this is one of the most effective legal tools available to you.

Homeowners approaching renewal or refinance

Renewal and refinance windows are the easiest time to set up the right mortgage structure. If you're within 6–12 months of either, this course is especially timely.

This probably isn't for you if:

  • You're renting or don't own a Canadian primary residence
  • You're planning to sell your home in the next 2–3 years
  • You need access to your home equity for other expenses soon
  • You're uncomfortable with any investment exposure to market fluctuations
Your instructor

Built by a Smith Manoeuvre Certified Practitioner

Austin Yeh is a licensed mortgage strategist based in Toronto, certified in the Smith Manoeuvre. He's one of a small number of mortgage professionals in Canada with this designation.

Austin has personally acquired over 25 rental properties and works with clients across Canada — from first-time buyers to investors to high-income earners restructuring their finances. He built this course because too many people had heard of the Smith Manoeuvre but couldn't find a clear, honest explanation of how it actually works.

Featured in Toronto Life, University of Toronto Magazine, Canvas Rebel, and Yahoo Finance. Founder of RISE Network with 7,300+ members.

25+
Properties acquired personally
90+
Five-star Google reviews
7,300+
RISE Network members
What clients say

Trusted by Canadians Across the Country

★★★★★

"Austin walked me through the Smith Manoeuvre in a way that finally made sense. The course gave me the foundation — the call gave me the confidence to move forward."

— Jennifer N., Toronto homeowner
★★★★★

"I'd heard about the Smith Manoeuvre for years but never understood it well enough to act. Austin's explanation is clear, specific, and actually useful."

— William Z., homeowner & investor
★★★★★

"As someone frustrated with paying high taxes and feeling like I wasn't building wealth fast enough — this strategy completely changed how I think about my mortgage."

— Mikey N., business owner
Free 30-minute call

Not Sure If It's Right for You?

Book a free call with Austin to walk through your specific mortgage, income situation, and goals. No sales pitch — just a real conversation about whether the Smith Manoeuvre makes sense for you.

🏠
Review your mortgage
See if your current setup qualifies or if a refinance is needed first
💰
Run your numbers
Get a real estimate of your annual tax refund and mortgage payoff acceleration
Get your questions answered
Anything you're unsure about after the course — answered directly by a certified practitioner
Book a Free Call with Austin →

No obligation · 30 minutes · Toronto & across Canada

Common questions

Frequently Asked Questions

Is this course actually free? +
Yes — 100% free. You'll need to create an account to access the platform and track your progress, but there's no cost and no credit card required.
Is the Smith Manoeuvre legal and CRA-compliant? +
Yes. The Smith Manoeuvre is a legal, CRA-recognized strategy based on the Interest Act and Income Tax Act. The interest deduction on money borrowed for income-producing investments is explicitly allowed by the CRA. The key is implementing it correctly — which Module 4 covers.
Do I need to earn a high income for this to work? +
No — but income affects how much you benefit from the tax deduction. Higher marginal rates mean a larger annual refund. That said, the wealth-building and mortgage acceleration components work at any income level. The course covers this in detail so you can assess your own situation.
Do I need extra cash every month to run the Smith Manoeuvre? +
No. That's one of the most common misconceptions. Your regular mortgage payments create the HELOC room. You then borrow that room to invest — no extra cash required from your budget.
What's the difference between this course and a consultation with Austin? +
The course explains the strategy in general terms — how it works, whether you might qualify, and what implementation looks like. A consultation is about your specific situation — your mortgage balance, lender, income, and investment comfort level. Most people do the course first, then book a call once they've decided it makes sense for them.
Can I use the calculator to run my own numbers before booking a call? +
Yes — the Smith Manoeuvre Calculator lets you model how the strategy could work for your mortgage before committing to anything. It's a good starting point before the course or a consultation.
Ready to start?

Take the Free Smith Manoeuvre Course

Understand the strategy completely — how it works, whether you qualify, and what implementation actually looks like. Free, self-paced, no obligation.

Start the Free Course →