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 landlords obsess over getting the lowest rate while ignoring the structure of their debt.This is a massive mistake ...
06/24/2026

Most landlords obsess over getting the lowest rate while ignoring the structure of their debt.

This is a massive mistake that often costs far more than a few basis points.

With a standard mortgage, your equity is trapped. Every time you make a payment, that principal just sits there. You can’t access it without a costly refinance or waiting until renewal.

To build wealth efficiently using mortgage strategies, you need a readvanceable mortgage. This structure links your mortgage with a line of credit so as you pay down the principal, equity instantly available to re-borrow.

It is the essential engine for strategies like the Cash Flow Dam or the Smith Manoeuvre™.

Without this, you miss the chance to convert non-deductible mortgage interest into tax-deductible investment interest.

Your mortgage should be a wealth-building tool, not just a bill.

Stop paying rental expenses with your rental income.If you are a Canadian landlord holding properties personally, you ar...
06/23/2026

Stop paying rental expenses with your rental income.

If you are a Canadian landlord holding properties personally, you are likely leaving thousands in tax savings on the table. Most landlords collect rent and pay bills directly from the same chequing account.

I call this lazy money.

The fix:

Use your rental income to prepay your primary residence mortgage. Then, borrow that same amount back from your HELOC to pay the rental expense.

This achieves two things:

1. You pay down non-deductible home debt.
2. You create a new tax-deductible loan.

The interest is now deductible because the funds are used for an income-producing purpose. This is the Cash Flow Dam, a key strategy within the Smith Manoeuvre™.

You aren't spending more money; you are just routing it effectively to destroy your mortgage and build wealth. If your mortgage structure doesn't allow this, you are stuck in an inefficient system.

Reach out if you'd like to learn more.

Most Canadian landlords are accidentally leaving thousands of dollars on the table because they treat their rental incom...
06/23/2026

Most Canadian landlords are accidentally leaving thousands of dollars on the table because they treat their rental income and their primary mortgage as separate worlds.

In Canada, the interest you pay on your primary residence is not tax-deductible. However, interest on money borrowed to earn income is. By keeping these in silos, you are missing out on the chance to swap your expensive, non-deductible debt for tax-deductible investment debt using strategies like the Smith Manoeuvre™.

The fix is simple but strategic: view your finances as one interconnected ecosystem. Every dollar of rent has the potential to help you destroy your non-deductible home mortgage faster while increasing your tax savings.

Stop operating in silos. Let's look at your structure and see how to make your rental income work harder for your family.

Shoot me a message and let's run your numbers together.

Most Canadians have a mortgage. A lot of them have investments. Most are paying taxes every year without a clear strateg...
06/21/2026

Most Canadians have a mortgage. A lot of them have investments. Most are paying taxes every year without a clear strategy for reducing them.

Three significant pieces of the same financial life — usually managed separately, by different people, who aren't talking to each other.

That's not anyone's fault. It's just how the financial industry is set up.

Your mortgage broker is focused on your mortgage.
Your investment advisor is focused on your portfolio.
Your accountant shows up at tax time.

But most of the time, nobody is looking at how all three fit together (or what it's costing you that they don't).

The Smith Manoeuvre™ is one of the few strategies that intentionally connects all three. It converts non-deductible mortgage interest into tax-deductible investment debt, which means your mortgage, your investments, and your tax situation are all part of the same coordinated plan for the first time.

That coordination is where the real difference gets made.

As a Smith Manoeuvre Certified Professional™, bringing those pieces together is exactly what I do. If your financial life has always felt a bit siloed, that's a good place to start the conversation

For a lot of Canadian homeowners, the finances look reasonable on the surface. Things are being managed. But managed and...
06/20/2026

For a lot of Canadian homeowners, the finances look reasonable on the surface. Things are being managed.

But managed and optimized aren't the same thing, and that gap has a way of growing without announcing itself.

The bills get paid, the mortgage gets made, life keeps moving. But somewhere in the background, the distance between what's being built and what retirement actually requires keeps widening. Not dramatically. Just quietly, year after year.

Closing that gap doesn't always require a dramatic overhaul. It doesn't mean slashing your lifestyle or finding hundreds of extra dollars every month. For a lot of homeowners, the biggest untapped resource is something they already have: the equity sitting in their home.

Most people don't think of their home as a retirement asset. But structured intentionally through The Smith Manoeuvre™, it can become exactly that. The same mortgage payment, working harder. The same home, doing more.

As a Smith Manoeuvre Certified Professional™, I work with homeowners who are tired of feeling like they're falling slightly behind with no clear way to catch up. If that's where you are, it's worth a conversation.

06/20/2026

If your only question is “What’s the rate?”…you might be asking the wrong question.

The cheapest mortgage today can be the most expensive one long term.

Restrictions, penalties, and lost opportunities add up fast.

If you want a mortgage that actually works for your future, not against it.

Contact me today and let’s talk strategy.

Most Canadians treat their mortgage as a solo project. They talk to a bank, sign papers, and hope for the best.But using...
06/19/2026

Most Canadians treat their mortgage as a solo project. They talk to a bank, sign papers, and hope for the best.

But using your home as a strategic wealth tool makes a solo approach a risk.

Strategies like the Smith Manoeuvre™ require a synchronized team, not just a low rate.

As your Mortgage Planner, I structure the financing and the readvanceable mortgage for tax-deductibility.

Your Accountant ensures CRA compliance and tracks every dollar.

Your Financial Planner aligns the investments with your goals.

Together, we turn your mortgage from a monthly bill into a wealth-building engine. Attempting this alone can lead to costly mistakes.

Shoot me a message if you're interested in learning more and let's chat!

Most Canadians see their mortgage as a bill to be paid off.They are missing the fact that, when structured correctly, it...
06/18/2026

Most Canadians see their mortgage as a bill to be paid off.

They are missing the fact that, when structured correctly, it is the most powerful wealth-building tool a homeowner has.

The difference isn't the interest rate. It's the structure.

A standard mortgage is a static liability.

A readvanceable mortgage is a financial engine. Every time you make a principal payment, that amount automatically becomes available to borrow back through a home equity line of credit.

This structure allows for the Smith Manoeuvre™.

The goal is simple: convert non-deductible mortgage interest into tax-deductible investment interest as quickly as possible.

You build an investment portfolio and generate tax savings without changing your current lifestyle or finding extra cash. You are already making the payments. You might as well make them count toward your financial future.

This strategy requires expert coordination between a Mortgage Planner, Financial Planner, and Accountant.

Shoot me a message and let’s see if your current mortgage is working for or against you.

06/18/2026

“Here’s your rate.” That’s where most mortgage conversations start… and end.

But a mortgage should be doing more than just existing in the background.

The right structure can create flexibility, improve efficiency, and support your long‑term goals.

If you’ve only ever focused on rate, you might be leaving options on the table.

Reach out and let’s change that.

Most Canadians think the interest rate is the only thing that matters.They are wrong.Focusing solely on the rate often l...
06/17/2026

Most Canadians think the interest rate is the only thing that matters.

They are wrong.

Focusing solely on the rate often leads to a mortgage that limits your wealth instead of building it.

To treat your home as a strategic asset, you must follow these three keys in order.

1. Product: The product must align with your goals. Does it allow for readvanceability? Can it support the Smith Manoeuvre™? If the product is wrong, a low rate cannot compensate for lost wealth-building opportunities.

2. Structure: This is how your mortgage is set up for interest efficiency. We convert non-deductible debt into tax-deductible investment debt, building wealth without changing your lifestyle.

3. Rate: The rate is the final piece of the puzzle. Once the product and structure are optimized, we secure the lowest rate for that specific setup.

Structure beats rate every time.

If you are ready to stop paying a bill and start building a strategy, let's talk. Shoot me a message

Address

100-1345 Waverley Street
Winnipeg, MB
R3T5Y7

Telephone

+12049955722

Website

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