Julie Sheremeto - Mortgage Broker

Julie Sheremeto - Mortgage Broker 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.

06/08/2026

The Smith Manoeuvre can sound overwhelming 👉 but it doesn’t have to be.

As a Certified Smith Manoeuvre Professional, I help break it down and show you exactly how it works in real life.

For this client, we used one strategy called Rental Cash Damming. The result? Over $409K in mortgage payments saved and a total net worth improvement of more than $830K, without adding extra money in or changing their lifestyle.

If you own a rental, have a suite, or are thinking about investing, there’s a smarter way to structure your cash flow so more money stays in your pocket—not the bank’s.

👀 Want to see what this could look like for you? I can map it all out step by step.

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

Want to learn how to make your mortgage and rental property work harder for you? Subscribe to my YouTube channel for 160+ one-minute videos and curated playlists to help you build wealth with the money you’re already earning 🔗 youtube.com/





Spent a few incredible days in Kelowna connecting, learning, and making the most of time with some amazing people in thi...
06/05/2026

Spent a few incredible days in Kelowna connecting, learning, and making the most of time with some amazing people in this industry . ✨

From a professional development day with the BC Lenders Group (including great insights on AI 🤖from Rob Cupello ), to the annual Okanagan Mortgage Brokers Open supporting the NICU at KGH—this trip was packed with meaningful moments. 🙏 Huge thanks to @ and for sponsoring our foursome (Crystal , Rebecca , Matt and myself)… even if the tournament kicked off in a full downpour. ☔️

We also made time for some fun along the way—out on the water for a Team Wiley adventure day with boats, sunshine, and a few brave 🏄 wake surfing attempts… and even caught part of the 🏒 WHL Memorial Cup with and Cheryl Buhs .

Grateful for the conversations, the learning, and the community that makes this industry so special. ❤️





$1.7 million.👉 That’s what the average Canadian now thinks it will take to retire comfortably.And at the same time, a gr...
06/04/2026

$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.

Let’s have a no-obligation conversation about how to make your mortgage work for you:

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






Most people don’t actually have a credit card strategy 👉 They have a random collection of cards they signed up for over ...
06/03/2026

Most people don’t actually have a credit card strategy 👉 They have a random collection of cards they signed up for over the years.

💳 One for travel
💳 One because of a welcome bonus.
💳 One because the cashier asked if they wanted to save 10%.

But over time, overlapping rewards and annual fees can quietly reduce the value you’re actually getting.

A smarter approach is building a system where each card has a specific job.

💳 One for high-reward spending categories.
💳 One for insurance and travel protection.
💳 One as a no-fee fallback when surcharges or low reward categories make premium cards less worthwhile.

One part of this article that stood out to me was the mention of utilization ratios.

Most people don’t realize that how you manage revolving debt can impact mortgage qualification, refinancing opportunities, and even renewal conversations. 🏡

Credit strategy and mortgage strategy are often more connected than people think.

Read the full article 🔗 https://breakingbank.media/ca/three-card-strategy-to-maximize-canadian-credit-card-rewards-without-fee-waste-2/?ref=jsheremeto

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





Healthcare costs in retirement rarely stay predictable. 📈For many Canadians, expenses related to health, mobility, in-ho...
06/02/2026

Healthcare costs in retirement rarely stay predictable. 📈

For many Canadians, expenses related to health, mobility, in-home support, and long-term care tend to increase later in life, often at the same time people are trying to preserve savings and maintain independence.

That’s why retirement planning today is about more than investments alone. It’s also about understanding every financial tool available to support flexibility and cash flow as life evolves. 🏡

For homeowners, home equity is often one of the largest untapped assets in the retirement picture.

A reverse mortgage can provide tax-free cash flow while allowing you to remain in your home, helping create more breathing room for the years ahead. 💡

The key isn’t reacting later.
It’s planning earlier.

If you’d like to explore how home equity could fit into your retirement strategy, I’m always happy to have a conversation. 🤝

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





For most people, that’s the finish line. 🏁Pay everything off, clear the slate, and move into the next phase without anyt...
06/01/2026

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.

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






Most homeowners will pay off their mortgage and never see the real opportunity they were sitting on. 🤷 🏡👉 The Smith Mano...
05/31/2026

Most homeowners will pay off their mortgage and never see the real opportunity they were sitting on. 🤷 🏡

👉 The Smith Manoeuvre™ is designed to change that. It uses the mortgage you already have and the payments you’re already making, and puts them to work inside a bigger wealth plan.

I’m a Smith Manoeuvre Certified Professional™, and I walk my clients through this using their actual numbers, not theory or hype.

If you’re curious what this could look like with your current setup, send me a message and let’s run the numbers together:

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







This is where most people get it wrong: The Smith Manoeuvre™ is NOT about taking on more debt. ❌But that’s exactly how i...
05/29/2026

This is where most people get it wrong: The Smith Manoeuvre™ is NOT about taking on more debt. ❌

But that’s exactly how it gets labeled.

It’s not a leverage play in the way people think, it’s a restructuring strategy.

→ Same mortgage.
→ Different structure.
→ Completely different outcome.

Because when you shift how your debt is organized, you change the role it plays in your life. ✨

If you’ve only ever focused on “pay it down as fast as possible”…you might be missing a much bigger opportunity.

This isn’t for everyone. But if you’re curious whether it could work for you, it’s worth a conversation. 💬 Message me and let’s map it out together:

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







Everyone loves a “deal” in real estate.Buying under market value feels like you’ve already won. Like you’re stepping int...
05/29/2026

Everyone loves a “deal” in real estate.

Buying under market value feels like you’ve already won. Like you’re stepping into equity on day one.

But here’s the part most people don’t think about 👇

The market doesn’t reward how good the deal looked…
It rewards how the property actually performs.

Because a discount doesn’t fix:
📍 A weak location
📉 Slow appreciation
🏠 Inconsistent rental demand
🔄 Difficult resale conditions

In many cases, that lower price is there for a reason.

And those reasons don’t show up right away.
They show up later… when you try to refinance, raise rents, or sell.

That’s where the gap appears.

Small disadvantages compound over time.
And what looked like a “great deal” can quietly become an underperforming asset.

A better way to think about it:

A strong investment isn’t just priced well.
It’s durable.

✔️ Consistent demand
✔️ Strong location fundamentals
✔️ Liquidity when you need it
✔️ Flexibility over time

That’s what actually builds wealth.

If you want the full breakdown on how to spot the difference (and avoid getting distracted by price alone), I’ve gone deeper in this week’s Breaking Bank article.

🔗 Read it here: https://breakingbank.media/ca/the-hidden-cost-of-good-deals/?ref=jsheremeto

And if you’re looking at a “deal” right now and want a second perspective, send it my way.

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

Your mortgage lives inside a much bigger system.👀 Most people only see the rate, the approval, or the purchase price. 👉 ...
05/27/2026

Your mortgage lives inside a much bigger system.

👀 Most people only see the rate, the approval, or the purchase price. 👉 But behind every mortgage is a broader environment shaped by policy, lender appetite, market conditions, and industry leadership.

Part of my work happens in those rooms: advocating, listening, contributing, and staying close to how the landscape is evolving. 💪 That perspective helps me guide clients with more depth, more context, and better long-term strategy.

It may not be the most visible part of what I do, but it’s one of the ways I advocate for my clients beyond the transaction.

🤔 Curious how this wider perspective could shape your next mortgage decision?

Send me a DM or connect here 🔗 linktr.ee/juliesheremeto

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

Address

Ottawa, ON

Telephone

+16132666886

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