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HELOC & the Smith Manoeuvre
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HELOC & the Smith Manoeuvre

Unlocking equity, the tax-smart way

How a HELOC works in Canada, the 65%/80% LTV rules, interest-only mechanics, and the Smith Manoeuvre strategy for converting mortgage interest into tax-deductible investment interest. Risks included, not glossed over.

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Inside the guide

6 sections
  1. 1HELOC basics + LTV limits
  2. 2Re-advanceable mortgages
  3. 3Interest-only vs. principal repayment
  4. 4The Smith Manoeuvre, step by step
  5. 5Tax + risk considerations
  6. 6When a HELOC is the wrong tool
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