If you own a rental, or rent out a suite in your home, that rent can pay down your home mortgage first, and the interest you pay can come back to you as a tax refund. A mortgage agent and a CPA will show you exactly how, live.
Featured in
The full strategy, real numbers, and your questions answered by Austin and Terrence. Free.
Three quick questions. Ten seconds.
Do you own your home, with a mortgage on it?
Do you own a rental property, or rent out a suite in your home?
Is your household income $150K or more?
Most homeowners in your position have never been shown this. Come see what your rent could be doing for your home mortgage.
RSVP for the free webinarThe refunds are bigger at higher tax brackets, but the structure works the same way. We'll show you where the numbers start to make sense.
RSVP for the free webinarThis is the best time to learn it. Setting it up right from day one is far easier than restructuring later.
RSVP for the free webinarCash damming works by paying down the mortgage on your home. If your home is paid off, or you rent where you live, this strategy doesn't apply.
That's how almost every landlord does it, whether the rental is across town or in your basement. And it's backwards.
The rental's bills are already tax-deductible. Your home mortgage is the one debt where you get nothing back, and it's the one your paycheque is stuck paying.
What a typical home mortgage really costs you
Illustrative, at a 40% marginal tax rate. Your numbers depend on your rate, mortgage and rental.
A massive opportunity cost.Two properties, zero connection. Over the life of your mortgage, that could be costing you tens of thousands.
We show you the right way, live.
The exact structure, the CRA rules behind it, and the mistakes that get deductions denied.
RSVP to see itThe tax refund is nice. What matters is whether it holds up.
Homeowner, 37.91% tax bracket, one condo rental
One condo rental, nothing new bought, no extra income. We restructured the home mortgage so the condo's rent pays it down first, with every rental expense run through a separate, fully traced line of credit.
Illustrative projection. Results vary.
60 minutes, live on Zoom. No fluff, and a CPA answering your questions.
Good debt vs bad debt, and why paying your mortgage with after-tax dollars quietly costs you hundreds of thousands.
How interest deductibility actually works, in plain English, from a CPA.
What the numbers look like when your rental makes money, breaks even, or costs you every month.
Mixed accounts, missing receipts, the wrong lender. What CRA looks for and how to stay clean.
Who should skip it, and when selling the rental beats holding it. You'll leave knowing whether it's right for you.
Bring your situation. Get real answers, not a sales pitch.
Mortgage Agent Level 1 · Smith Manoeuvre certified
Finance, consulting and audit background at PwC, Deloitte, Hydro One and RBC. Bought 20 investment properties in a little over two years, as covered by Toronto Life and U of T Magazine.
Founder of RISE Network (7,400+ investors) and host of a podcast with 300,000+ downloads.
CPA · Realtor
Chartered Professional Accountant and Realtor with $100M+ in transactions facilitated. In-house accountant at Synergy, specializing in tax strategy for real estate buyers, sellers and investors.
Covers the tax side: interest deductibility, tracing rules, and the record-keeping that keeps your deductions defensible.
200+reviews between Austin and Terrence
[Paste a real Google review, ideally one that mentions strategy or structure]
[Name, initial][City]
[Paste a real Google review]
[Name, initial][City]
[Paste a real Google review]
[Name, initial][City]
Reviews reflect Austin Yeh's mortgage services and Terrence Marshall's real estate and accounting services.
Yes. It's built on the Income Tax Act's rules for deducting interest on money borrowed to earn income. The risk isn't the strategy, it's a sloppy setup, which is exactly what we cover.
Canadian homeowners with a mortgage on their home and rental income, either from a separate rental property or from a suite in the home they live in. With a suite, only the rental portion's expenses qualify, and we'll show you how that works. A cottage or second home you use yourself doesn't count. It's usually most valuable at higher tax brackets and with plenty of time left on the home mortgage.
Often, yes. But think of it like buying a $10 loaf of bread with a coupon that gives you $5 back next year. You pay full price upfront, but the bread really cost $5. Deductible interest works the same way: in a top bracket, a 4.95% line of credit can cost roughly 2.3% after tax, which is less than a non-deductible mortgage. Your exact number depends on your tax rate.
No. It uses the rent you already collect. What changes is how that money flows between your accounts.
It needs a mortgage that lets you re-borrow what you pay down. Some people already have one, some don't. We'll show you how to tell, and how to time any change around your renewal.
The webinar is free. If you want help implementing afterward, we'll explain any costs upfront before you commit to anything.
You'll get the full strategy, real numbers, and live answers from a CPA. If it isn't a fit for you, we'll tell you.
Every month without this structure is a month of deductions you can't go back and claim. Pick a session on the calendar to save your seat.