INIT Capital Funding

INIT Capital Funding Helping Cdn.'s 3X their wealth using their mortgage! Smith Manoeuvre Professional™
ASH HOW!

06/10/2026

The moment you open your annual mortgage statement and look at the “Total Interest Paid” line... 😳📉

It’s the ultimate adult jump scare.
You think you bought a $500,000 home. But by the time that 25- or 30-year amortization is done? You’ve easily paid the bank an extra $300,000 to $500,000 just in interest.

That is one hundred percent pure, unadulterated after-tax garbage money leaving your pocket forever.

Most people just sigh, accept it as the “cost of homeownership,” and keep grinding. But what if you didn’t have to just take it on the chin?

Enter The Smith Manoeuvre. 🇨🇦

Instead of letting that interest be a total wealth-killer, this legal Canadian tax strategy allows you to safely and systematically convert your non-deductible mortgage interest into tax-deductible investment interest.

Here is the math in plain English:
-You pay down your mortgage.
-You re-borrow that equity to invest.
-The interest on that borrowed money becomes a tax deduction.
-You get a massive tax refund every year.
-You use that refund to pay down your mortgage even faster.

Result: You wipe out your mortgage years ahead of schedule AND build a massive investment portfolio at the same time. Same cash flow out of pocket, completely different net worth.
Stop letting the banks win the long game.

📥 WANT THE BLUEPRINT?

I put together a free, easy-to-digest Smith Manoeuvre Brochure that breaks down exactly how this works, how to qualify, and how to get started turning your mortgage into a tax shelter.

👇 Comment the word “SMITH” below, and I’ll slide the PDF right into your DMs!

06/09/2026

If you want to pay off your mortgage off in literally half the time, or at least 10 years sooner that what the banks allow you to do…set your mortgage up as a HELOC! 😳

Yep, you heard me correctly. 😊

The strategy is not for everybody, but for those who can qualify for it…. Absolutely POWERFUL!!!
DM “FREE” if you want to learn to see if this could work for you. 😉



06/08/2026

The “Secret” Ontario Homeowner Loophole. 🤫

You can legally get a tax deduction on your RRSP refund twice. Here is the breakdown:

Step 1: Contribute to your RRSP ➡️ Get your CRA refund. (Deduction #1)

Step 2: Use a re-advanceable mortgage. Drop that refund check straight onto your mortgage principal.

Step 3: Your HELOC instantly grows by that exact amount. Re-borrow it immediately. 

Step 4: Put those borrowed funds into an income-producing investment outside your RRSP. 

💥 Boom. Because you borrowed to invest, that HELOC interest is now 100% tax-deductible (Deduction #2).

You are using the CRA’s own refund money to systematically destroy your mortgage and compound your investments simultaneously.

Almost no one does this because they don’t understand how re-advanceable equity works.

Save this reel before tax man takes it down and DM ‘$$$’ if you want to learn how or book a call 647-274-INiT

06/08/2026

Imagine using the taxman’s money to pay off your mortgage years ahead of schedule. 🤯 Sounds illegal, but it’s actually a completely legitimate financial strategy called

Cash Damming.
If you are self-employed or own a rental property, you could be sitting on a goldmine of interest deductions. Here is how it works:

1️⃣ Separate Your Funds: You keep your business/rental income entirely separate from your personal expenses.

2️⃣ The Pivot: Instead of paying your business expenses out of your revenues, you use a dedicated business line of credit to cover them.

3️⃣ The Magic Trick: Take 100% of your business revenues and dump them straight onto your non-deductible personal mortgage.
Why do this? You are rapidly transforming expensive, non-deductible personal debt into tax-deductible business debt. You pay off your home faster, and Uncle Sam (or the CRA) helps foot the bill through tax write-offs. 📉✨

⚠️ Disclaimer: This is advanced tax planning. You need a clean paper trail, so don’t try this without talking to a certified accountant first!

Drop a $$$ in the comments if you want to crush your mortgage early, or save this post for your next meeting with your accountant! 👍🏻

06/07/2026

Fixed rate or variable rate? Which to choose?
These questions and lots, lots more are asked every Tuesday, LIVE at 10pm!

Come learn! Come for some great conversation! Come for the Fun!

06/05/2026

The federal government’s new Canada Groceries and Essentials Benefit will see its first round of quarterly payments go out today!

But if you really want to do something better… try this instead!

06/04/2026

Word of warning on your RRSP, and what happens when you retire.

06/03/2026

There are five ways to pay off your mortgage quicker. There is also one bonus, that not many people know about!

06/02/2026

Imagine if your mortgage payment
could also help build your investment portfolio.

Sounds fake, right?

It’s not.

There’s a CRA-approved strategy called the Smith Manoeuvre…where homeowners convert bad non-taxable debt into tax-deductible investment debt over time.

Most Canadians don’t even know
this exists.

if you wanna learn more, DM me or book a call through my calendar link in bio.

I am also teaching how to do this on my free webinar, this coming Thursday. Link in bio.

06/01/2026

You’ve probably been told to pay off your mortgage as FAST as possible…but wealthy Canadians often do the opposite.

Here’s why.

Every mortgage payment builds equity…but with the Smith Manoeuvre, that equity can be reborrowed to invest…which can make the interest tax deductible.

Most homeowners have NEVER heard of this.

Join my FREE webinar Thursday, June 4, 7:30pm. Link in Bio.

Address

55 Renfrew Drive, Suite 201
Toronto, ON
L3R8H3

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Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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+16472744648

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