Jason Kilborne - Mortgage Planner

Jason Kilborne - Mortgage Planner 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!

Most Canadians see their mortgage as a monthly bill that drains their bank account. What if it was actually an engine de...
06/02/2026

Most Canadians see their mortgage as a monthly bill that drains their bank account. What if it was actually an engine designed to build your wealth?

It comes down to structure. A standard mortgage is often just a liability because it takes money out without providing a return. A readvanceable mortgage is different. It is a wealth-building tool.

Every time you make a mortgage payment, a portion goes toward the principal. In a traditional setup, that equity stays trapped until you sell.

With a readvanceable mortgage, that principal reduction automatically opens space in a Home Equity Line of Credit (HELOC). As your balance goes down, your available credit goes up by the same amount.

This is the foundation of the Smith Manoeuvre™. You can re-borrow those funds to invest, converting non-deductible mortgage interest into tax-deductible investment interest. You are not increasing debt; you are restructuring it to be more efficient.

Stop letting your home be a dormant asset. Turn it into a financial engine that works as hard as you do.

If you want to see how this structure can work for you, reach out and let's chat about it!

Camping, road trips, patios, long weekends that somehow cost $800. Summer has a way of quietly draining accounts that lo...
06/02/2026

Camping, road trips, patios, long weekends that somehow cost $800. Summer has a way of quietly draining accounts that looked fine in May.

For most Canadian families, the math is already pretty tight before summer even starts. After the mortgage, the groceries, the utilities (and everything else that doesn't stop), there isn't a lot left over to put toward the future.

Add in a few months of summer spending and building any kind of wealth can start to feel completely out of reach.

That's a real feeling, and it's worth acknowledging.

What's also worth knowing is that there's a way to build wealth that doesn't depend on finding extra money at the end of the month.

The Smith Manoeuvre™ works with your existing mortgage payment — no additional cash required. Summer still happens. Life still happens. The difference is that something is quietly building in the other direction at the same time.

As a Smith Manoeuvre Certified Professional™, that's exactly what I help homeowners set up. If you've been meaning to look at this, summer is actually a great time to start.

Reach out and let's talk.

06/02/2026

Extra payments aren’t wrong — but they’re not always the most efficient way to get ahead.

For many Canadian homeowners, the real opportunity is in how the mortgage is structured, not how much extra you can throw at it.

If you’re building equity every month, the question is:

is it working hard enough?

Most Canadians think making extra mortgage payments is the ultimate move for financial security. While watching that bal...
06/01/2026

Most Canadians think making extra mortgage payments is the ultimate move for financial security. While watching that balance drop feels great, it often leads to a trap called dead equity.

When you put extra cash into your mortgage, that money is effectively locked inside your walls. It is not earning you anything, and you cannot easily access it for investments or emergencies. You are essentially losing control of your liquidity while the bank sits back and watches.

Strategic mortgage planning flips this logic. By using a readvanceable mortgage and the Smith Manoeuvre™, the principal you pay down is immediately available to be re-borrowed and invested. This means you are paying off your home and building a separate investment portfolio at the same time. You are converting non-deductible debt into a tax-deductible wealth tool.

Your net worth should not be trapped in your drywall. You do not have to choose between a debt-free home and a retirement fund; the right structure allows for both.

If you are ready to stop letting your equity sit idle, shoot me a message and let’s run your numbers together.

$1.7 million.That’s what the average Canadian now thinks it will take to retire comfortably.And at the same time, a grow...
05/31/2026

$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.

There are certain costs that are just a part of living in Canada.Housing. Taxes. Food. Energy. The basics that don’t rea...
05/30/2026

There are certain costs that are just a part of living in Canada.

Housing. Taxes. Food. Energy. The basics that don’t really disappear, no matter how well things are going.

Most people spend their time trying to reduce those costs wherever they can, which makes sense. You negotiate, you optimize, you try to be efficient.

But at a certain point, there’s a ceiling to how much you can actually remove.

That’s usually where the thinking starts to shift (or it should).

Instead of asking how to eliminate the cost entirely, the question becomes whether anything is working alongside it.

Is it just something you pay… or is there a way to structure things so it’s part of a broader system?

That’s the lens through which a lot of long-term financial strategies are built.

As a Smith Manoeuvre Certified Professional™, I help homeowners apply that same thinking to their mortgage, so it’s not just a cost being carried, but something that fits into a more intentional plan.

If you want to explore what that could look like in your situation, let’s talk.

05/30/2026

A paid‑off house is an asset — but it’s not a retirement plan by itself.

Mortgage strategy is about turning home equity into future income, not just waiting for retirement and hoping it works out.

If you’re worried about being house‑rich and cash‑poor one day, lets' fix that for you!

Most Canadians treat retirement planning as a solo mission. But if you are using home equity to build wealth, going it a...
05/29/2026

Most Canadians treat retirement planning as a solo mission. But if you are using home equity to build wealth, going it alone is a risk. Strategies like the Smith Manoeuvre™ require precision, which is why you need a professional dream team.

There are three key players needed for success:

1. The Mortgage Planner: That is my role. I ensure your mortgage is structured correctly with a readvanceable component. Without this specific structure, the strategy cannot function.

2. The Financial Planner: They guide your investment choices for the borrowed capital, ensuring your portfolio grows effectively for your future and remains compliant with tax deductibility rules.

3. The Accountant: They manage the paper trail to keep your interest tax-deductible and ensure you stay compliant with the CRA.

When these three work together, you get more than tax savings. You get the peace of mind that your financial plan is sound without having to sacrifice your current lifestyle.

If you have the equity but are missing the professional map, let us change that. Shoot me a message so we can explore this for you.

Some "financial experts" tell you to stop buying expensive coffees if you want to retire. They want you to sacrifice you...
05/28/2026

Some "financial experts" tell you to stop buying expensive coffees if you want to retire. They want you to sacrifice your lifestyle to save every penny.

The problem is probably not your daily latte. The problem might be the structure of your mortgage.

With a traditional mortgage, you pay down non-deductible debt. That money is gone. But with a properly structured readvanceable mortgage and the Smith Manoeuvre™, every dollar of principal you pay down can be converted into a tax-deductible investment loan.

This is not a spending strategy. It is a debt conversion strategy. You are not finding new money to invest; you are simply repurposing the equity you are already building in your home.

You keep your coffee. You keep your vacations. You just change how your debt works for you.

Most people focus on the interest rate. Smart homeowners focus on the structure. One is a bill you pay, the other is a legacy you build.

If you are ready to see how your home can do the heavy lifting for your retirement, shoot me a message and let's chat.

05/28/2026

Pay off the house or save for retirement — that’s the choice most Canadians are given.

With the right mortgage strategy, it doesn’t have to be an either‑or decision.

If you’re doing everything right but still worried about retirement, reach out and let's chat.

Address

100-1345 Waverley Street
Winnipeg, MB
R3T5Y7

Telephone

+12049955722

Website

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