At Wise Equity, we help clients take control of their financial futures with our Mortgage Plans. By incorporating the Smith Manoeuvre and the Canada Revenue Agency (CRA) approved tax strategy – Cash Damming, we transform your traditional mortgage into a powerful wealth-building tool. Our automated plan focuses on: accelerating your ability to pay off your mortgage, and grow your investments without any additional income.
Our mission is simple: To be the #1 trusted partner for Canadians who want to turn their home equity into an investment vehicle and improve their quality of life
At Wise Equity, we are more than just mortgage consultants—we are Smith Maneuver certified experts dedicated to helping our clients build long-term wealth and increase their retirement funds through advanced mortgage and investment planning. With over $100 million in mortgages funded, our proven strategies have helped countless Canadian homeowners pay off a 30-year mortgage in as little as 10 years.
Large Tax Refunds
A key benefit of our mortgage plan is making the interest on borrowed funds tax-deductible. When you borrow to invest, the interest on the loan can be deducted, lowering your taxable income.
Pay Off Mortgage
Our mortgage plan allows clients to pay off their mortgage much faster than traditional methods—often in as little as 10 to 13 years instead of 25+ years.
Retirement and Investment Savings
By re-borrowing your home equity to invest in income-generating assets, you build a diversified portfolio. These investments, such as stocks, bonds, or real estate, can generate returns that outpace borrowing costs, helping you grow your wealth.
Our mission is simple
To be the #1 trusted partner for Canadians who want to turn their home equity into an investment vehicle and improve their quality of life
At Wise Equity, we simplify business financing with customized solutions to meet your unique needs. Discover our range of financing strategies below, each crafted to help you achieve your business goals.
You’ve worked hard your entire life, and you deserve a retirement filled with comfort, security, and peace of mind. At Wise Equity, we understand that retirement is about more than just saving—it’s about making smart, informed choices that reflect the years of dedication you’ve put into building your future. That’s why we go beyond traditional retirement planning, helping you optimize your mortgage strategy so you can enjoy your Golden Years.
As the cost of living / inflation increases financial priorities shift, and your mortgage plays a crucial role in your overall strategy.
Whether you’re aiming to pay off your mortgage, downsize to a more manageable home, or access your home’s equity for additional funds, understanding your mortgage options is key to ensuring financial stability in retirement.
You do not need to make regular mortgage payments. The loan is repaid only when you move, sell your home, or pass away.
Available exclusively to Canadian homeowners aged 55 and over, and the property must be your primary residence.
The amount you can borrow depends on your age, the appraised value of your home, its location, and the type of property.
