09/09/2026
Would you ever choose 4.95% over 3.95%?
Sometimes, the answer is yes.
The best mortgage isn’t always the one with the lowest rate. The right structure could improve cash flow, create tax advantages and better support your long-term goals. The Smith Manoeuvre is one strategy that can completely change how you evaluate a mortgage.
Before you renew based on rate alone, let’s look at what may be possible. Reach out to me to discuss a mortgage strategy built around your bigger financial picture.
It’s not the rate you get, but how much you ultimately save that matters.