Is "HELOC & the Smith Manoeuvre" really free?

Yes. HELOC & the Smith Manoeuvre is a free 16-page guide. Enter your email and we'll send the PDF right away — no cost and no obligation.

What does "HELOC & the Smith Manoeuvre" cover?

It runs 16 pages across 6 sections — including HELOC basics + LTV limits; Re-advanceable mortgages; Interest-only vs. principal repayment, and more.

Is this guide specific to Canada?

Yes. It's written by the FSRA-licensed team at Mortgage Squad Advisors (Brokerage #13737) for the Canadian market, with rules, programs, and rate context current for 2026.

Do I have to be a Mortgage Squad Advisors client to get it?

No. The guide is free to anyone — whether you're ready to apply or just researching your options.

How do I get advice for my own situation?

Ask Maya, our AI advisor, free 24/7 in 50+ languages, or book a no-obligation call with a senior broker. The guide explains the concepts; we tailor them to your file.

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HELOC & the Smith Manoeuvre

16 pages · PDF · Free, no signup

8 min read

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Free guide

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

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

Frequently asked questions

Is "HELOC & the Smith Manoeuvre" really free?: Yes. HELOC & the Smith Manoeuvre is a free 16-page guide. Enter your email and we'll send the PDF right away — no cost and no obligation.
What does "HELOC & the Smith Manoeuvre" cover?: It runs 16 pages across 6 sections — including HELOC basics + LTV limits; Re-advanceable mortgages; Interest-only vs. principal repayment, and more.
Is this guide specific to Canada?: Yes. It's written by the FSRA-licensed team at Mortgage Squad Advisors (Brokerage #13737) for the Canadian market, with rules, programs, and rate context current for 2026.
Do I have to be a Mortgage Squad Advisors client to get it?: No. The guide is free to anyone — whether you're ready to apply or just researching your options.
How do I get advice for my own situation?: Ask Maya, our AI advisor, free 24/7 in 50+ languages, or book a no-obligation call with a senior broker. The guide explains the concepts; we tailor them to your file.

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