This is a complimentary value- added service we offer to the public with no obligation. It is focused on mortgages that work with the Smith Manoeuvre. We have seen the studies that show that variable or 1-year mortgages save you money over a 5-year fixed mortgage 89-100% of the time, so we may help you avoid wasting money by avoiding the “5-Year Fixed Mortgage Trap”.

We have contacts for every mortgage that works with the Smith Manoeuvre and know the pros and cons of all of them from experience. This includes the mortgages only available directly from banks, those only available from mortgage brokers and those available from financial planners.

We also actively and continuously negotiate between our strategic partners for you, so that you will always get our best possible mortgage rate and lowest possible costs without having to negotiate. We may also be able to save you money by helping you choose the right type of mortgage. At any point in time, we have an informed opinion about which mortgage is the smartest choice.

If your mortgage is not due and you are not sure whether or not paying a penalty to get out of your current mortgage will save you money, please see the “Ed’s Mortgage Breaking Calculation” page.