Jason Kilborne - Mortgage Planner

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Winnipeg, MB
Jason Kilborne - Mortgage Planner

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Helping Canadian families turn their mortgage into a wealth-building machine—without compromising their lifestyle.

My goal is to save my clients as much money as possible on their mortgage by finding them the perfect mortgage for their specific needs at the best possible rate!

10/15/2026

Fixed mortgage rates have been creeping up as bond yields rise, driven by persistent inflation concerns, elevated energy prices, and global market volatility. For homeowners watching their borrowing costs tick higher, it's an uncomfortable trend.

But here's something worth understanding about how the Smith Manoeuvre™ relates to rising rates.

The strategy generates tax deductions from the interest on the investment loan — the portion of debt that has been converted from non-deductible mortgage debt into tax-deductible investment debt. When rates are higher, that interest cost is larger. Which means the annual tax deduction is larger. Which means more comes back at tax time.

The environment that makes an unstructured mortgage more expensive makes a structured one more valuable.

That doesn't mean rising rates are good news across the board. They affect borrowing costs, qualification thresholds, and monthly cash flow in real ways that matter. But for homeowners who have a coordinated mortgage strategy in place, the rate environment is something the plan accounts for rather than something it's at the mercy of.

The Smith Manoeuvre™ was designed to work in any rate environment. The structure adapts. The long-term trajectory stays on course.

As a Smith Manoeuvre Certified Professional™, helping homeowners build a strategy that holds up regardless of what bond markets do next is exactly what I do.

Rising rates are a reason to get strategic, not a reason to wait.

If you want to understand what that looks like for your situation, I'd love to walk you through it.

10/13/2026

Every financial survey recently paints a picture most Canadians will recognize immediately.

71% expect higher living costs this year. 59% anticipate the economy will get worse. 79% are worried about inflation's impact on their personal finances. And 68% expect their cost of living to keep rising while only 29% expect their income to follow.
That's not a mindset problem. That's a structural one.

When everyday costs consume most of what comes in, getting ahead financially starts to feel less like a goal and more like a luxury. The instinct is to wait — for things to settle, for a better moment, for some external force to make the path forward a little clearer.
But external forces aren't particularly reliable right now.

What is reliable is structure. Specifically, the structure around your mortgage — the biggest financial commitment most Canadians are carrying — and whether it's been set up to do more than just get paid off.

The Smith Manoeuvre™ doesn't ask you to find extra money in a budget that's already stretched. It works with the mortgage payment already going out the door, converting it into a structure that builds a portfolio, reduces your tax bill, and accelerates your paydown simultaneously.

The financial environment is uncomfortable. That part is real. But the path forward doesn't have to wait for the environment to improve.

As a Smith Manoeuvre Certified Professional™, helping homeowners find that path is exactly what I do.

If you're ready to stop waiting and start building, reach out.

10/10/2026

I don’t sell mortgages. That’s the whole point.

A bank representative can only offer products from one lender. Their advice may be helpful, but the options are limited to what their employer provides.

I don’t work for a lender. As an independent Mortgage Planner with Castle Mortgage, I can access dozens of lenders across Canada, including specialized products and rate specials that may not be available through other sources.

But the process doesn’t start with a rate.

It starts with education:

1. Understand your options.
2. Choose the mortgage product and structure that fit your goals.
3. Shop for the best deal on the right mortgage.

You don’t know what you don’t know, and a mortgage is one of the biggest financial decisions you’ll make.

Instead of booking appointments with multiple banks, you can have one conversation about your options in one place.

My priority is helping you make an informed decision, not fitting you into one lender’s product lineup.

Shoot me a message and let’s talk through your options.

10/08/2026

The financial pressure most Canadians are feeling right now is real.

Inflation, rising costs, mortgage payments that consume more of every paycheque than they used to. For a lot of households, getting ahead financially has started to feel less like a goal and more like a fantasy. Something that happens to other people in different circumstances.

The thing is, building wealth doesn't always require finding more money. Sometimes it requires looking differently at the money already going out the door.

The Smith Manoeuvre™ is built on exactly that idea. It takes the mortgage payment you're already making and restructures it so that the equity you build every month starts funding a growing investment portfolio at the same time. Your tax bill comes down. Your mortgage still gets paid. Nothing about your monthly cash flow changes.

The light at the end of the tunnel doesn't have to be something you wait for. For a lot of Canadian homeowners, it's something they can start building right now from what they already have.

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

If financial freedom has been feeling out of reach lately, it might be closer than you think.

Let’s chat.

10/07/2026

The lowest rate is not always the lowest-cost mortgage.

A mortgage can look great on paper and become expensive the moment you need to break it.

You may need to break or refinance if you:

• Sell your home
• Buy another property and need equity from your current one
• Consolidate debt or access home equity
• Switch lenders before maturity
• Restructure your mortgage

Most variable- and adjustable-rate mortgages have penalties based on three months’ interest, so they are often less expensive to break.

Fixed-rate mortgages may carry a much larger penalty. Depending on the lender and contract, the penalty may involve an interest rate differential, or IRD, calculation based on factors such as your mortgage balance, remaining term, and current rates.

That is the section many people never read before signing.

Fixed versus variable is not about predicting interest rates perfectly. It is about choosing the right balance of payment stability, flexibility, cash-flow capacity, and fit with your plans.

The right mortgage is not simply the one with the lowest rate today. It is the one whose product, structure, and terms fit your situation.

Review the actual contract before choosing. Exact provisions depend on the lender and product.

Considering a purchase, renewal, sale, or refinance? Let’s review the options before the rate becomes the only thing you compare.

10/06/2026

The economic noise right now is real.

Trade tensions are affecting businesses and hiring decisions. Oil prices are pushing inflation higher than expected. The Bank of Canada has signalled that a rate hike could be back on the table as soon as October 28th. And most Canadian homeowners are watching all of it with a quiet sense that their finances are at the mercy of forces completely outside their control.

Some of that is true. You can't set the overnight rate. You can't negotiate trade policy. You can't control what oil does next month.

But here's what you can control.

Whether your mortgage is structured to work in any rate environment. Whether the equity you're building every month is sitting idle or being put to work. Whether your biggest monthly expense is doing one thing or three.

The Smith Manoeuvre™ is built for exactly this kind of climate. When rates rise, the tax deduction on the investment loan grows and more comes back at tax time. When rates fall, borrowing costs are lower and more gets invested each month. The external environment shifts. The strategy adapts.

Economic uncertainty has a way of making people freeze. But freezing is also a decision, and it has a cost that doesn't show up anywhere obvious until it's been compounding for years.

As a Smith Manoeuvre Certified Professional™, helping homeowners focus on what's actually within their control is one of the most valuable things I do right now.

If your mortgage strategy has felt uncertain lately, that's a good place to start.

Reach out and let's talk.

10/04/2026

Last month, Bank of Canada Governor Tiff Macklem stood in Halifax and signalled that a rate hike could be back on the table, potentially as soon as the next decision on October 28th.

For homeowners waiting for conditions to feel right before making any financial moves, it was a timely reminder.

That moment has a habit of not arriving.

The Smith Manoeuvre™ wasn't designed for a perfect rate environment. It was designed for any rate environment. When rates are low, borrowing costs are cheaper, and more gets invested each month. When rates are high, the interest on the investment loan is larger, which means the tax deduction is larger and more comes back at tax time.

The strategy adapts. The plan stays on course.

Homeowners without a coordinated mortgage strategy are fully exposed to whatever October 28th brings. Their interest goes out, nothing comes back, and the decision of when to start gets pushed again.

As a Smith Manoeuvre Certified Professional™, the most common thing I hear from homeowners who finally get a strategy in place is that they wish they hadn't waited.

The next rate announcement is October 28th. That's also a good deadline for a different kind of decision.

Reach out and let's talk before the big day.

10/02/2026

Most buyers treat a mortgage pre-approval as a number they need before they start house hunting.

That’s too narrow.

A proper pre-approval is the moment your financing gets structured around your goals. It should give you:

1. Clarity on what you can actually afford, not just the maximum a lender may approve.

2. Fewer surprises when you make an offer and move toward closing.

3. Greater negotiating strength with sellers and realtors because your financing is properly organized.

4. Strategic advice, not just a figure on a page.

And remember: the lowest rate is not automatically the best mortgage.

The right product and structure can affect your payment, flexibility, access to equity, future refinancing options, and even your ability to invest later.

Your first home should be a launchpad, not a financial trap.

Before you start viewing properties, make sure your pre-approval is helping you build a plan, not simply set a price ceiling.

Shoot me a message and let’s talk through what a properly structured pre-approval could look like for your goals.

10/01/2026

It’s not always your income.

It may be the structure of your debt.

A mortgage around 4–5% sitting beside a 7–9% car loan and 20%+ credit card balances can create an expensive mix. You may be making every payment and still seeing too little of your money reduce the principal.

Refinancing can consolidate those debts into your mortgage and improve your monthly cash flow.

But lowering the payment is only the first step.

A smart refinance also considers:

• Total interest over time
• Amortization
• Penalties and fees
• The reason the debt accumulated
• A plan to avoid rebuilding high-interest balances

The goal isn’t to make debt look smaller. It’s to structure it more efficiently and create room for progress.

Before refinancing, run the numbers, not just the payment.

If your finances feel squeezed, shoot me a message and let’s look at the structure together. Education comes before recommendation.

09/29/2026

Inflation has made everyday life genuinely harder. The grocery bill, the gas, the cost of pretty much everything — it's real and it's exhausting and nobody needs to be told to feel it.

But here's something worth pausing on.

As painful as those costs are, they're not the biggest drains on your financial life over time. Not even close.

The first is income tax.

Before your paycheque even hits your account, a significant portion is already gone. The higher your income grows, the bigger that portion gets.

Over a lifetime of earning, the amount that goes to tax is staggering, and most of us just accept it as one of the facts of life.

The second is mortgage interest.

Over a full amortization, the average Canadian pays hundreds of thousands of dollars in interest alone. Not the house. Just the cost of borrowing for it. It goes to the lender every single month for decades, and under a standard mortgage, nothing comes back.

Between the two, interest and tax consume more of your lifetime income than groceries, gas, utilities, and everything else combined.

The difference is that those everyday costs are visible. Interest and tax happen in the background — automatic, invisible, and almost never questioned.

And that's exactly the problem.

Because the mortgage can actually be structured to work against both of them at the same time (unlike your grocery bill).

The Smith Manoeuvre™ converts mortgage interest into tax-deductible investment debt, so the same payment that's been going out starts building something back.

As a Smith Manoeuvre Certified Professional, this is the conversation most Canadians never get to have — and probably the most important one about their money.

If you're tired of watching it go out and never come back, that's exactly where we start.

We should talk.

Address

100-1345 Waverley Street
Winnipeg, MB
R3T5Y7

Telephone

+12049955722

Website

http://www.jasonkilborne.ca/

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