Ryan Best Mortgage Agent

Ryan Best Mortgage Agent Let me help you make the biggest purchase of your life!

Camping, road trips, patios, long weekends that somehow cost $800. Summer has a way of quietly draining accounts that lo...
06/03/2026

Camping, road trips, patios, long weekends that somehow cost $800. Summer has a way of quietly draining accounts that looked fine in May.

For most Canadian families, the math is already pretty tight before summer even starts. After the mortgage, the groceries, the utilities (and everything else that doesn't stop), there isn't a lot left over to put toward the future.

Add in a few months of summer spending and building any kind of wealth can start to feel completely out of reach.

That's a real feeling, and it's worth acknowledging.

What's also worth knowing is that there's a way to build wealth that doesn't depend on finding extra money at the end of the month.

The Smith Manoeuvre™ works with your existing mortgage payment — no additional cash required. Summer still happens. Life still happens. The difference is that something is quietly building in the other direction at the same time.

As a Smith Manoeuvre Certified Professional™, that's exactly what I help homeowners set up. If you've been meaning to look at this, summer is actually a great time to start.

Reach out and let's talk.

June is a perfect time for a check-in not just on summer plans, but on whether your financial structure is actually doin...
06/01/2026

June is a perfect time for a check-in not just on summer plans, but on whether your financial structure is actually doing what you need it to do.

These five questions aren't meant to stress you out.

They're just honest ones that most homeowners aren't asked about often enough.

If any of them landed, let's talk.

As a Smith Manoeuvre Certified Professional™, I work with Canadian homeowners to build a more coordinated financial strategy every day, and it usually starts with a single conversation.

Reach out and let's find some time.

Love is love. Home is home. Everyone belongs.We believe in building a world and a mortgage industry where everyone feels...
06/01/2026

Love is love. Home is home. Everyone belongs.

We believe in building a world and a mortgage industry where everyone feels seen, supported, and celebrated.

This Pride Month, we stand with the 2SLGBTQIA+ community in honouring the strength, resilience, and joy that continue to shape our communities.

🏳️‍🌈 Here’s to creating space, lifting each other up, and making sure everyone has a place to call home.

Is Alternative or Private Lending Right for You? Not everyone fits into the traditional lending box, and that’s where al...
05/30/2026

Is Alternative or Private Lending Right for You?

Not everyone fits into the traditional lending box, and that’s where alternative and private lending can be a game-changer. If you're self-employed, earning commission-based income, New to Canada, or have unique financial circumstances, these lending options offer more flexibility than conventional banks. We can help!

✅ Self-Employed? Alternative lenders consider your full financial picture, not just tax returns.
✅ Unconventional Income? Private lenders look at your earning potential, not just pay stubs.
✅ Credit Challenges? If past financial hiccups have impacted your credit, private financing may still be an option.

Looking for mortgage solutions tailored to you? Follow along for more insights and expert advice, or reach out today to explore your options!

For most people, that’s the finish line. Pay everything off, clear the slate, and move into the next phase without anyth...
05/29/2026

For most people, that’s the finish line.

Pay everything off, clear the slate, and move into the next phase without anything owing.

And there’s nothing wrong with that. It’s a clean, simple objective.

But when you look a little closer, the picture gets more nuanced.

Because not all debt behaves the same way.

A mortgage, for example, is already a long-term structure. It shapes your cash flow, your decisions, and a big part of your financial life for decades.

Eliminating it is one path.

Understanding how it fits into a broader plan is another.

That’s where the conversation starts to shift.

Instead of focusing only on whether debt exists, the question becomes what role it’s playing.

Is it just something being paid down… or is it part of something that’s building alongside it?

As a Smith Manoeuvre Certified Professional™, I help homeowners look at that distinction in a practical way and understand how their mortgage can be structured more intentionally within their long-term plan.

It’s time to look at your debt differently.

A growing number of Canadians are counting on their home as part of their retirement plan.And on the surface, it makes s...
05/28/2026

A growing number of Canadians are counting on their home as part of their retirement plan.

And on the surface, it makes sense. Build equity over time, then access it when you need it.

Maybe that means selling, downsizing, or borrowing against it later on.

The common thread is that the value is there, but it’s being saved for the end.

The part that often gets overlooked is what happens in between.

Because over a 20–30 year period, that’s a significant asset sitting in the background, largely disconnected from the rest of the plan.

It’s still growing, but it’s not really being used with intention.

So it’s less a question of whether your home will play a role in your future.

For most people, it will.

The more interesting question is whether it only shows up at the end… or if there’s a way for it to contribute along the way.

That’s exactly the idea behind the Smith Manoeuvre™.

It’s a structured approach that allows homeowners to begin integrating their mortgage into a long-term investment strategy over time, rather than waiting to access that value years down the road.

And it’s an approach that’s available to you.

$1.7 million.That’s what the average Canadian now thinks it will take to retire comfortably.And at the same time, a grow...
05/27/2026

$1.7 million.

That’s what the average Canadian now thinks it will take to retire comfortably.

And at the same time, a growing number of people don’t believe they’ll actually reach that number.

That gap is where things start to feel heavy. Because most of the advice still sounds the same.

Save consistently.
Put aside a percentage of your income.
Stay disciplined.

But for a lot of people right now, there isn’t much left to work with.

So the question becomes less about effort… and more about approach.

If the traditional path relies on having extra cash to invest, what happens when that margin never really shows up?

That’s where structure starts to matter.

For homeowners, the mortgage is often the largest piece of the financial picture. But it’s rarely part of the retirement strategy.

The Smith Manoeuvre™ is built around changing that.

Not by asking you to do more.

But by looking at how what you already have could be working differently over time.

What’s the difference?Monoline lenders are financial institutions that offer mortgage products exclusively through mortg...
05/27/2026

What’s the difference?

Monoline lenders are financial institutions that offer mortgage products exclusively through mortgage agents (brokers). Unlike banks, they don’t offer chequing accounts or credit cards. That means no retail branches, lower overhead, and often more competitive mortgage rates and flexible terms.

Working with a licensed mortgage agent (broker) means you have access to both monoline lenders and traditional banks. Whether you're a first-time buyer, self-employed, new to Canada, or looking to renew, refinance, or invest, a licensed agent (broker) can help you compare all your options and find the right fit.

📲 Want to understand which lending option is right for you? Let’s connect.

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