Blend flexibility with payoff automation, underpinned by secure tracking.
We structure HELOCs and readvanceable mortgages so you can invest, renovate, or consolidate while still tracking towards a faster mortgage-free date. Every draw and repayment is logged with CASL-compliant updates.
We model combined loan-to-value limits, interest-only payment impacts, and tax deductibility scenarios. The dashboard tracks balances and triggers renewal reminders when a conversion makes sense.
If you are running Smith Manoeuvre / Maneuver or cash damming strategies, we coordinate with your accountant and keep clean audit trails for CRA.
Revolving credit demands discipline. We cap draws to maintain LTV guardrails, send reminders when balances approach limits, and document CASL consent so every update remains compliant. Your tax professional reviews the plan before execution.
Standalone HELOCs are separate lines of credit. Readvanceables pair an amortizing mortgage with a revolving portion that grows as you pay down principal. We help you pick the right structure for your goals.
Yes—with discipline. We document cash-flow damming, interest tracking, and work alongside your tax professional to stay compliant.
We coordinate with your future renewal plan and ensure any HELOC borrowing stays within lender and insurer limits, including combined LTV caps.