Julie Sheremeto - Mortgage Broker

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Ottawa, ON
Julie Sheremeto - Mortgage Broker

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Mortgage broker with Your Mortgage Design Team and Tango ON Lic #13691 Mortgage Agent

A mortgage professional who is ready to have you spend the least amount of money through the life of your mortgage, and guide you through each step of the financing process.

11/03/2026

Most homeowners have one relationship with their mortgage 👉 Get rid of it as fast as possible.

It's an understandable instinct. The mortgage is big, it's long, and it costs a lot in interest. Eliminating it feels like progress. And it is — just not the whole picture.

🤔 Investors think about debt differently. Not because they're reckless with it, but because they've learned to ask a different question.

Not “what does this cost me?,” but “what can this do for me while I'm paying it down?”

That shift in thinking is the key. ✨

A mortgage, looked at through that lens, isn't just a liability to eliminate.

🏡 It's the largest financial structure most Canadians will ever have access to. One that creates equity every single month, sits at the intersection of tax planning and long-term investing, and can be structured to build wealth at the same time it gets paid off.

That's what the Smith Manoeuvre™ is. An investor's approach to a mortgage most Canadians are already carrying. The equity created each month gets invested immediately. The interest on that investment loan becomes tax deductible. A portfolio builds alongside the mortgage rather than waiting until it's gone.

Same mortgage. A completely different question being asked of it.

As a Smith Manoeuvre Certified Professional™, helping homeowners make that shift is one of the most rewarding parts of what I do.

If you've only ever asked the first question about your mortgage, the second one is worth considering.

Visit my Wealth Building Highlight to learn more: https://www.instagram.com/stories/highlights/18079797080210773/

📞 613-266-6886 or 250-212-2136
📩 [email protected]
🌐 www.mortgagedesignteam.com

11/03/2026

🏡💡 Your mortgage is a big part of your financial life. Getting to know it better doesn’t have to feel like homework.

November is Financial Literacy Month, and the former teacher in me loves an opportunity to make learning feel approachable.

My YouTube channel has more than 175 videos, most under two minutes, covering mortgage essentials, pitfalls to watch for and strategies for building wealth through real estate in Canada.

Want to go a little deeper? You’ll also find series exploring how your mortgage can work alongside your financial plan, and the psychology behind our mortgage decisions. Because understanding your options is one thing. Understanding what matters to you is just as valuable.

Bring your curiosity. I’ll bring the mortgage talk. 😊

📺 🔗 https://www.youtube.com/

10/31/2026

Think you’re stuck with the financial skeletons hiding in your closet? Think again. 💀

Whether it’s high-interest debt that keeps growing or home equity you’re not putting to work, a HELOC RateLock strategy could help you create a clearer path forward.

This approach allows you to access your home equity when needed, then lock portions into structured payments at a fixed rate. That can mean more predictability, less interest and a strategy designed around your bigger financial goals.

Past financial decisions don’t have to haunt your future. 👻

👉 Swipe to see how a HELOC RateLock strategy works, then send me a message. We’ll look at your full financial picture and determine whether it’s the right fit for you.

Happy Halloween! May your day be full of treats and your finances a little less frightening. 🎃

10/30/2026

Spooky, isn’t it? 👻

You bought the home. Made every payment. Watched the balance slowly come down. Did everything you were supposed to do. And somewhere along the way, the retirement savings just never quite got started. Because after the mortgage, the groceries, the kids, and everything else that doesn't pause, there wasn't a lot left over.

Now retirement is closer than it used to feel. And the math is uncomfortable.

Here's what most homeowners in that position don't know. The mortgage they've been paying all along could have been building something on the other side at the same time. Not by finding extra money. Not by cutting spending. Just by structuring the same payment differently.

The Smith Manoeuvre™ takes the equity your mortgage creates every month and puts it to work immediately in a growing investment portfolio. The mortgage still gets paid down. A tax refund comes back every year and goes straight back into the strategy.

Both things happen at the same time, from the payment already going out the door.

👉 It's not too late to change the trajectory. But the sooner the structure is in place, the more time it has to work.

As a Smith Manoeuvre Certified Professional™, this is the conversation I wish every homeowner had before they needed it.

Reach out and let's talk:

📞 613-266-6886 or 250-212-2136
📩 [email protected]
🌐 www.mortgagedesignteam.com

10/29/2026

For a lot of Canadian homeowners, the retirement plan looks something like this 👉 pay down the mortgage, build up the equity, sell eventually, and live on what's left.

It's not a bad instinct. For most of us, the home is the single largest asset we'll ever own. It makes sense that it becomes the foundation of what comes next.

The problem isn't the equity. It's the timing. ⏱️

🏡 Equity that sits in your home until you sell isn't compounding. It isn't generating income. It isn't reducing your tax bill. It's just waiting. And every year it waits is a year it isn't working toward the retirement you actually want.

The Smith Manoeuvre™ changes that math. By using the equity you're already building through your mortgage payments to invest in income-producing assets, your home starts contributing to your retirement long before you ever sell it.

Your mortgage still gets paid down. A portfolio grows alongside it. And the interest on your investment loan becomes tax-deductible.

Same equity. Working about 20 years sooner. ✨

If that sounds like a better plan than waiting, I'd love to show you what it looks like for your situation.

📞 613-266-6886 or 250-212-2136
📩 [email protected]
🌐 www.mortgagedesignteam.com

10/28/2026

🏦 The Bank of Canada raised its policy rate by 0.25 percentage points today, bringing it to 2.50%.

Wondering what that means for your mortgage? Here’s the rundown. 👇

→ If you have a variable rate, your rate will increase. Depending on how your mortgage is set up, your payment will either go up, or more of your existing payment will go toward interest and less toward paying down your balance.

→ If you have a fixed rate, your rate and payment stay the same until the end of your term.

And if you’re buying or coming up for renewal, let’s take a fresh look 👀 at your numbers so you know what works comfortably within your budget.

With inflation still a concern 👉 the Bank has left the door open to further increases. You don’t need to make a rushed decision, but it’s worth understanding your options.

💬 Have questions about your mortgage after today’s announcement? Send me a message. We’ll work through what it means for you.

📞 613-266-6886 or 250-212-2136
📩 [email protected]
🌐 www.mortgagedesignteam.com

10/27/2026

Fixed-rate people, this one’s for you too. 👀

Choosing a mortgage isn’t just about picking the rate that feels most comfortable today. It’s also about looking at how the mortgage fits your budget, your plans and the flexibility you might need along the way.

A variable rate can open up some interesting possibilities, including the option to put more toward your principal when your budget allows.

🚩 One note about the example in the video: many lenders limit how much you can increase your regular payment, and that limit may be lower than the increase I described. A lump-sum payment, if permitted under your mortgage’s prepayment privileges, can offer another way to put extra money toward your principal.

Every lender’s terms and conditions are different, so we’d look at the details together to find an option that fits your goals. And because variable rates can change, your comfort with that uncertainty matters too.

So, should your next mortgage be variable? Maybe. Let’s talk about it.

📞 613-266-6886 or 250-212-2136
📩 [email protected]
🌐 www.mortgagedesignteam.com

Book a conversation today: http://calendly.com/jsheremeto

10/27/2026

The average Canadian has about $129,000 saved for retirement.

Canadians say they need around $1.7 million to retire comfortably.

That gap isn't a rounding error. 👉 It's a structural problem that's been accumulating for years and, for most homeowners, the solution has been sitting inside their mortgage the whole time.

Home equity is the largest asset most Canadian homeowners will ever have. And under a standard mortgage, it does exactly nothing for retirement until the home is sold. It doesn't compound. It doesn't generate income. It just accumulates inside the walls, waiting.

The Smith Manoeuvre™ can change that. ✨
It takes the equity your mortgage creates every single month and puts it to work immediately in a growing investment portfolio. The mortgage still gets paid down — faster than it would have otherwise. A tax refund comes back every year and goes straight back into the strategy.

The retirement gap doesn't close by accident. It closes because someone decided to use what they already had more intentionally.

As a Smith Manoeuvre Certified Professional™, that's the conversation I help homeowners have.

If the retirement math has been bothering you, that's worth paying attention to.

📞 613-266-6886 or 250-212-2136
📩 [email protected]
🌐 www.mortgagedesignteam.com

10/24/2026

There’s something about the fall that makes you want to get everything else sorted too.

🗓️ The calendar fills up. Life gets busy again. And somewhere in the background, you may find yourself wondering: Is our financial picture actually on track?

If you’ve never stopped to ask what your mortgage is doing for your long-term future 👉it’s a question worth exploring.

Making mortgage payments isn’t a strategy. It’s simply the default when nobody has shown you what else may be possible.

The Smith Manoeuvre™ is a way of structuring your mortgage more intentionally. When it’s suitable and set up properly, it can help you build an investment portfolio, create potential tax deductions and pay down your non-deductible mortgage debt faster, often using the money already moving through your household.

Your mortgage is likely one of your largest financial commitments. Let’s find out whether it could also become one of your most powerful wealth-building tools.

Ready to explore what this could look like for you? Book a call today: http://calendly.com/jsheremeto

📞 613-266-6886 or 250-212-2136
📩 [email protected]
🌐 www.mortgagedesignteam.com

10/23/2026

🗓️ Every month, without fail, a portion of your mortgage payment goes to interest. Not the house. Just the cost of borrowing for it. It doesn't matter what the market is doing, what's happening with the economy, or how the rest of your financial life is going.

That payment goes out. 💸 Reliably. For decades.

Retirement doesn't work that way. It doesn't show up automatically because you worked hard enough or long enough. It has to be built intentionally and consistently over time.

And for many Canadian homeowners, the truth is that the building hasn't really started yet. Not in any meaningful way.

Here's what most people don't realize. 👉 Those two things — the certainty of mortgage interest and the uncertainty of retirement — don't have to be separate problems running in parallel. ✨ They can be addressed by the same strategy at the same time. ✨

The Smith Manoeuvre™ takes the mortgage payment you're already making and restructures it so that the equity you build each month gets invested immediately. A portfolio grows alongside the mortgage. The interest on that investment loan becomes tax-deductible, generating a growing annual refund that goes straight back into the strategy — paying down the mortgage faster and compounding the portfolio further.

The interest was always going to be certain.

But with The Smith Manoeuvre™, retirement can become a lot less uncertain.

As a Smith Manoeuvre Certified Professional™, helping homeowners turn their most guaranteed cost into their most powerful wealth-building tool is exactly what I do.

If retirement has been feeling more like a hope than a plan, reach out and let's talk.

📞 613-266-6886 or 250-212-2136
📩 [email protected]
🌐 www.mortgagedesignteam.com

Address

Ottawa, ON

Telephone

+16132666886

Website

http://www.mortgagewithjulie.com/

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