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.

Your mortgage is likely the biggest financial commitment you'll ever make.So should the goal really be to simply pay it ...
09/09/2026

Your mortgage is likely the biggest financial commitment you'll ever make.

So should the goal really be to simply pay it off? 🏡

For most homeowners, that's the traditional approach: find a good rate, make the payments, pay down the balance, and focus on building wealth once the mortgage is gone.

But there's another way to think about it.

The Smith Manoeuvre™ is designed to make your mortgage part of your broader wealth-building strategy while you're still paying it down.

When structured properly, the mortgage payments you're already making can help you:

✔️ Pay down your home
✔️ Build an investment portfolio
✔️ Convert non-deductible mortgage debt into tax-deductible investment debt

Same home. Same mortgage payment. A very different strategy for what that money can accomplish.

As a Smith Manoeuvre Certified Professional, I help homeowners understand whether this approach fits their financial goals and, if it does, how to structure it properly.

👉 Visit my Wealth Building Highlight to explore more ways your mortgage could help you build wealth: https://www.instagram.com/stories/highlights/18118265446588475/

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

09/08/2026

When most people sign their mortgage, they're thinking about one thing.

🗝️ Getting the keys.

The rate is sorted. The lawyer has the paperwork. The moving truck is booked. It's an exciting day and a stressful one, and the last thing anyone is thinking about is what this moment means for their financial life thirty years from now.

But mortgage structure is a long-term decision dressed up as a short-term transaction. The product you choose, how it's set up, what it allows you to do over the life of the amortization - it all gets decided in a moment most people treat as administrative.

👉 Here's what that decision actually determines.

A standard mortgage pays down over time and builds equity in your home. That equity sits there until you sell or borrow against it. It doesn't compound. It doesn't generate income. It doesn't reduce your tax bill. It just accumulates, quietly, inside the walls of your house.

A readvanceable mortgage (the specific structure that makes The Smith Manoeuvre™ possible) works differently.

As your principal comes down each month, that same amount becomes available to borrow again through a line of credit. That room gets invested. A portfolio starts building. Tax deductions start accumulating. The mortgage is doing more than one thing at a time.

Same home. Same payment. ➡ Completely different structure underneath.

The good news is you don't have to have made this decision perfectly on day one. Renewal is another window. A refinance is another window. The structure can change.
As a Smith Manoeuvre Certified Professional, helping homeowners understand what their mortgage structure is actually doing — and what it could be doing instead — is exactly where this conversation starts.

If you signed your mortgage without realizing you were making a retirement decision, it's not too late to revisit it.

Reach out and let's talk.

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

🏡 There is no single Canadian housing market, and there shouldn't be a one-size-fits-all mortgage strategy either.In Jul...
09/07/2026

🏡 There is no single Canadian housing market, and there shouldn't be a one-size-fits-all mortgage strategy either.

In July, the average home sold in Canada for $674,819, but take a look across the map and you'll see just how much prices vary from province to province.

From $930K in B.C. to $797K in Ontario, compared with markets in the $300Ks and $400Ks across parts of the Prairies and Atlantic Canada, where you buy can dramatically change the mortgage conversation.

Your down payment, qualification, monthly cash flow and the mortgage structure that makes sense for you all depend on the numbers behind your purchase.

The national numbers are interesting. Your personal numbers are what really matter.

📩 Planning a purchase? Let's build a mortgage strategy around where you're buying and what you want your mortgage to accomplish.

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

For most Canadians, mortgage interest is just a cost. It goes out every month, for decades, and nothing comes back.👉 The...
09/05/2026

For most Canadians, mortgage interest is just a cost. It goes out every month, for decades, and nothing comes back.

👉 The Smith Manoeuvre™ is built around a different idea. What if you deliberately built something alongside that mortgage — an investment portfolio that grows at the same time the interest costs you — so that over the long run, one offsets the other?

It's not a loophole. It's not a shortcut. It's a structure.

And it changes the entire relationship between your mortgage and your financial future.

If that concept is new to you, I'd love to walk you through what it actually looks like in practice.

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



Doing nothing with your mortgage isn’t a neutral decision. 🏡Paying the mortgage, keeping things simple and waiting until...
09/04/2026

Doing nothing with your mortgage isn’t a neutral decision. 🏡

Paying the mortgage, keeping things simple and waiting until the “right time” can feel responsible. But while you wait, your equity may be sitting still and your mortgage interest remains non-deductible.

The Smith Manoeuvre™ is about putting the mortgage payment you’re already making to work in more ways, helping you build an investment portfolio, create potential tax deductions and pay down your non-deductible mortgage debt faster. 📈

As a Smith Manoeuvre Certified Professional, I can help you understand whether this strategy fits your bigger financial picture.

Ready to see what your mortgage could be doing? Book a call and let’s get into it. 🔗 http://calendly.com/jsheremeto

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

I've always believed that a strong mortgage industry depends on experienced brokers being willing to share what they've ...
09/03/2026

I've always believed that a strong mortgage industry depends on experienced brokers being willing to share what they've learned along the way. 💼 🤝

So much of what makes someone successful in this business isn't learned from a textbook. It's learning how to communicate with clients, navigate challenges, build relationships, stay consistent and keep going when a deal doesn't go as planned.

👉 That's why mentoring and education have always been important to me, and why I'm excited to be facilitating CMBA-BC's Mortgage Broker Fundamentals course this September alongside Juliana Mason.

recently interviewed me about the lessons I hope to pass along to newer brokers, how our role has evolved, and what I believe it takes to build a lasting career in this industry.

I've shared a few highlights here, but there's much more in the full conversation.

🗓️ Live sessions with : September 10, 17 & 24
💻 Modules available August 27
✨ CMBA-BC members save $150 for a limited time.

Read the full interview, and join us for the live sessions next week! 🔗 https://www.cmbabc.ca/news/business-builder-julie-sheremeto/?mc_cid=cfbe07c1b3






🏦 Another Bank of Canada announcement, another hold.The overnight rate remains at 2.25%, but that doesn’t mean the mortg...
09/02/2026

🏦 Another Bank of Canada announcement, another hold.

The overnight rate remains at 2.25%, but that doesn’t mean the mortgage market is standing still.

👉 Canada’s economy is showing signs of recovery, while inflation, higher energy costs and new tariffs continue to create uncertainty.

And for mortgage borrowers, there’s another important piece to watch: 📈 bond yields have been moving higher.

While today’s hold means no immediate change for variable-rate mortgages or lines of credit tied to prime, fixed mortgage rates are influenced by the bond market and can move even when the Bank of Canada doesn’t.

That’s why I don’t believe in building a mortgage strategy around predicting the Bank’s next move.

Your timeline, cash flow, risk tolerance and longer-term goals matter too.

Buying, renewing or reviewing your mortgage? Let’s look at the full picture. 🏡

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

Groceries are expensive. Gas is expensive. Pretty much everything costs more than it used to. 🛒But the biggest drains on...
09/01/2026

Groceries are expensive. Gas is expensive. Pretty much everything costs more than it used to. 🛒

But the biggest drains on your finances over a lifetime often aren't the ones you notice every week.

👉 They're income tax and mortgage interest.

Both can consume an enormous amount of your lifetime income, largely in the background. And while we can't do much about the price of groceries, there are strategies that can change how your mortgage interacts with both interest and tax.

One of them is the Smith Manoeuvre™.

When structured properly, it can convert non-deductible mortgage debt into tax-deductible investment debt, while helping you build an investment portfolio along the way.

It's not a strategy for everyone, and it needs to be set up correctly. But as a Smith Manoeuvre Certified Professional, I can help you determine whether it makes sense for your financial picture.

If you're looking at that grocery bill and wondering where you can actually make a bigger financial impact, let's talk. 📩

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

08/31/2026

Changing jobs and buying a home in the same season? 👉It can absolutely be done, but timing matters.

A new opportunity might be exciting, but from a mortgage perspective, a job change can affect your approval if it isn’t planned carefully.

A few examples:
✔️ Starting a new role with a probation period
✔️ Moving from salary to commission
✔️ Becoming self-employed
✔️ Accepting a lower base salary with performance bonuses

None of these automatically mean you can’t qualify. They just require the right strategy.

The good news? A quick conversation before you make the change can help you avoid unexpected delays or surprises during your home purchase.

If you’re thinking about changing jobs and buying a home around the same time, let’s chat first. A little planning now can save a lot of stress later.

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





08/29/2026

The crew here at Your Mortgage Design Team works hard and plays hard. Missing our two lovely gents on the team! Weather and water ending up being perfect surfing conditions that we were lucky to snag and everybody got up for a rip behind the boat and pushed themselves out of their comfort zones (even though most were peer pressured in to going ;)). Such a great afternoon. Having a team like this something special I’ll tell ya.

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Ottawa, ON

Telephone

+16132666886

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