The Smart Refi(und) Strategy™
Home equity, taxes and retirement portfolios collide in a single decision. We've split the conversation into three short parts — each with its own calculator — so you can read what's relevant and skip what isn't.
How to read this series
If you're new to the topic, start with Part 1. If you already know the foundations, jump to the part matching the strategy you're considering. All numbers throughout are illustrative, not forecasts or guarantees.
Foundations
Professionals, account types & the real cost of a mortgage
Who owns which decision (CPA, advisor, broker), how RRSP / TFSA / non-registered differ, and why a 4% mortgage isn't always 4%.
Includes: Interest Rate Comparison calculator
Read Part 1Smart Refi(und)
Turn home equity into RRSP refunds
How a refund-funded RRSP contribution lowers your real cost — with illustrative scenarios at 4% borrowing and 8% assumed return.
Includes: Smart Refi(und) calculator
Read Part 2Smith Maneuver & Debt Swap
When mortgage interest becomes deductible
Restructure equity into income-producing investments or rental property so interest is deductible. Strict CRA tracing required.
Includes: Refinance calculator
Read Part 3Frequently Asked Questions
Important — please read carefully:
This series is educational content only and is not tax, legal, investment or mortgage advice. All numbers, examples and projections are illustrative. Tax refunds, deductions, credits and benefits are conceptual advantages, not assured outcomes. Investment returns are not guaranteed. Borrowing to invest amplifies both gains and losses.
Before acting on any concept discussed here, obtain individualized advice from a licensed accountant / CPA, a registered investment / financial advisor, and a licensed mortgage professional. The June Jaga Group — FSRA Brokerage #10874 — can arrange the mortgage component but does not provide tax or investment advice.