Outline
- Mortgage term & amortization analysis
- Debt prioritization (HELOC, LOC, student, consumer)
- Rent vs buy modelling
- Borrow vs contribute trade-off analysis
Debt is a financial planning decision
Whether to lock in a five-year rate, accelerate payments, or carry a tax-deductible loan against a non-registered portfolio — these are not banking decisions, they are planning decisions. We model the trade-offs in dollars and stress them against rate changes.
Honest about what we are not
We are not mortgage brokers. We work with the broker or banker you choose, and our role is to make sure the structure supports your plan — not the other way around.
Outcomes
- A debt strategy with a defined finish line
- Lower lifetime interest paid
- Borrowing decisions you can defend