Cornelia Butler | Tax-Efficient Mortgage Strategy

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Articles on Rental Cash Damming, investment properties and the Smith Manoeuvre™ for homeowners and landlords in British Columbia and Alberta.

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Audit Your Own Rental Income Before the Lender Does: A Pre-Offer Checklist post image

By Cornelia Butler

Nov 6, 2026

Audit Your Own Rental Income Before the Lender Does: A Pre-Offer Checklist

When Prime Rises, the Biggest Smith Manoeuvre™ Risk Is Your Own Reaction post image

By Cornelia Butler

Nov 6, 2026

When Prime Rises, the Biggest Smith Manoeuvre™ Risk Is Your Own Reaction

The Bank of Canada Targets 2%, and Your Mortgage Plan Should Too post image

By Cornelia Butler

Nov 6, 2026

The Bank of Canada Targets 2%, and Your Mortgage Plan Should Too

The CRA Ignores Your Collateral and Asks One Question: What Did You Buy? post image

By Cornelia Butler

Nov 3, 2026

The CRA Ignores Your Collateral and Asks One Question: What Did You Buy?

5% Down or 20% Down: What the Smaller Deposit Costs Over 25 Years post image

By Cornelia Butler

Nov 3, 2026

5% Down or 20% Down: What the Smaller Deposit Costs Over 25 Years

Your Renewal Switch Skips the Stress Test, Until You Borrow More post image

By Cornelia Butler

Oct 28, 2026

Your Renewal Switch Skips the Stress Test, Until You Borrow More

Why Your 5% Down Payment Adds $43,000 in Interest You'll Never See post image

By Cornelia Butler

Oct 26, 2026

Why Your 5% Down Payment Adds $43,000 in Interest You'll Never See

Your $2,400 Rent May Count as $1,200 When You Borrow Again post image

By Cornelia Butler

Oct 26, 2026

Your $2,400 Rent May Count as $1,200 When You Borrow Again

What the Jump From 65% to 80% Equity Access Means for the Smith Manoeuvre™ post image

By Cornelia Butler

Oct 26, 2026

What the Jump From 65% to 80% Equity Access Means for the Smith Manoeuvre™

Where Your Smith Manoeuvre™ Breaks Even: How a Half-Point HELOC Spread Moves the Line post image

By Cornelia Butler

Oct 23, 2026

Where Your Smith Manoeuvre™ Breaks Even: How a Half-Point HELOC Spread Moves the Line

Spending a Rate Cut Before It Reaches Your Mortgage Is a Cash Flow Trap post image

By Cornelia Butler

Oct 23, 2026

Spending a Rate Cut Before It Reaches Your Mortgage Is a Cash Flow Trap

A Cooling Market Favours the Smith Manoeuvre™ Over Rushed Equity Borrowing post image

By Cornelia Butler

Oct 21, 2026

A Cooling Market Favours the Smith Manoeuvre™ Over Rushed Equity Borrowing

Mortgage strategy for BC and Alberta homeowners and landlords, with Rental Cash Damming, investment properties and the Smith Manoeuvre™.