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Setup & Parameters
Plan Basics
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%
Mortgage & Property
$
$
%
%
Monthly Payment—
65% LTV
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80% LTV
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$
Min: — | Max (65% LTV): — | Max (80% LTV): —
How it works: Each month, 100% of your principal payment is re-borrowed from your HELOC and invested in a diversified portfolio. Because the HELOC is used to earn investment income, the interest becomes tax-deductible.
Tax refunds: Each year, your CRA refund (based on your marginal tax rate × HELOC interest paid) is automatically applied as a lump-sum mortgage prepayment, re-borrowed from the HELOC, and invested — accelerating how fast you convert non-deductible debt into deductible debt and building your portfolio faster.
Tax refunds: Each year, your CRA refund (based on your marginal tax rate × HELOC interest paid) is automatically applied as a lump-sum mortgage prepayment, re-borrowed from the HELOC, and invested — accelerating how fast you convert non-deductible debt into deductible debt and building your portfolio faster.
💰 Tax Savings
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Total Tax Savings
📈 Investments
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Portfolio Value
💎 Net Worth
—
vs. regular mortgage
🔄 Convert
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Accelerated Freedom
⚠️ Important Disclaimer: These projections are estimates for illustrative purposes only and are not financial, tax, or legal advice. Actual results will vary based on interest rates, property values, lender terms, and personal circumstances. The Smith Maneuver involves real financial risk including potential market losses and CRA audit exposure if executed incorrectly. Always work with a qualified, SM-certified mortgage professional before implementing this strategy. Austin Yeh is a Smith Maneuver certified mortgage agent. austinyeh.com