The Smith Manoeuvre
Mini-Course for Canadian Homeowners
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 firstFree · Account required to track progress · No credit card
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.
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.
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.
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.
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.
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.
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.
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
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.
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."
"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."
"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."
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.
No obligation · 30 minutes · Toronto & across Canada
Frequently Asked Questions
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.
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