Stop Paying
Your Mortgage
Most people treat their mortgage like another monthly expense. But part of every mortgage payment may be building something valuable: your home equity.
What if we looked at that equity differently?
Your Mortgage Isn't Rent.
that equity next?
Figures shown are simplified and illustrative only. Actual mortgage payments, taxes, principal and interest will vary based on your situation.
The GROW Moment
Mortgage payment
Every payment includes interest and principal.
Principal reduces mortgage
The principal portion lowers what you owe.
Home equity grows
Less owed on a home of the same value means more equity.
We review whether some available equity could be put to work
This is where most homeowners stop thinking about their mortgage — we don't.
Investment
Where appropriate, equity may be considered for investment.
Potential long-term investment growth
Not guaranteed — but part of a strategy, not an accident.
Instead of looking at your mortgage in isolation, we look at your mortgage, equity, debt, cash flow and investments together.
This does not imply that borrowing or investing is appropriate for everyone.
Meet the GROW Strategy
A different way to think about your mortgage.
Grow Equity
We look at how your mortgage payments build equity in your home.
Restructure Debt
We examine your mortgage and other debts and look for opportunities to structure them more strategically.
Optimize Cash Flow
We look at your payments, borrowing costs, taxes and available cash flow together.
Watch Money Grow
Where appropriate, we explore ways to put money to work building long-term investments.
TFSA? RRSP?
Non-Registered?
There isn't one answer for everyone. That's why we build the strategy together.
Potential tax-free investment growth and withdrawals, subject to TFSA rules and available contribution room.
Potential income-tax deduction on eligible contributions and tax-deferred investment growth, subject to RRSP rules and available deduction room.
For certain qualifying income-producing investments, interest on money borrowed to invest may potentially be tax-deductible, subject to Canadian tax rules.
Sometimes the answer may be a combination.
You don't have to figure this out yourself.
We Discuss
We talk about your mortgage, goals and financial situation.
We Analyze
We look at your mortgage, equity, debts, cash flow and investments.
We Compare
We examine different possibilities and calculate what they could look like.
We Build
Together, we build a GROW Strategy appropriate for your situation.
I Help You Implement
Where appropriate, I help coordinate the mortgage and financial sides of the strategy.
GROW is a strategy — not a magic trick.
That is precisely why we review the complete situation before deciding whether and how to proceed.
Bring Me
Your Mortgage.
Your mortgage may already be one of your largest financial commitments. Let's find out whether it could also become a more powerful part of your financial strategy.
