Mortgage Powered Wealth Systems
Structure Your Mortgage to Grow Your Wealth
For many Canadians, the largest numbers on their balance sheet are their real estate and their mortgage. But in most cases, the real estate equity is idle, and the mortgage is treated as something to minimize, rather than something to structure.
But the mortgage isn’t just a cost. It’s a cash flow driver. An income tax variable. A long term financial lever.
Our Mortgage Powered Wealth strategies show you how to structure and optimize your mortgage for financial efficiency and effectiveness. This creates new opportunities for earlier retirement, with more. Sending kids to school. Reaching your most important financial goals with peace of mind that you’re on the right track.
- For mortgage renewals and home purchases
- Pay off your mortgage and build wealth faster
- Save $1000’s annually on income tax
- Reduce financial risk and protect against inflation
Would you rather have your mortgage paid off, or your mortgage paid off with a six-figure investment portfolio waiting for you?
You can have both. Let us show you how within 5 minutes.
Brent Richardson, Certified Financial Planner (CFP), Mortgage Broker
3 Mortgage Powered Wealth Strategies
See Below for Our Base Mortgage Powered Wealth Strategy
Mortgage Powered Wealth: Before and After Example*
Assuming:
19 years total for mortgage and investment savings
$400,000 mortgage
4% interest rate
8% average investment return
36% marginal tax rate
Before Mortgage Powered Wealth
- 15 Years Amortization
- 4 Years of investing (after the mortgage is repaid)
- Monthly Payment: $3,000
- Total Mortgage Interest Paid: $140,000
- Mortgage Balance after 15 years: $0
- Total Investment Balance after 19 years (4 years of investing @ $3,000/mo): $167,000
With Mortgage Powered Wealth Example
- 19 Years Amortization (extend amortization by 4 years)
- 19 Years of Investing
- Monthly Mortgage Payment: $2,500
- Monthly RRSP Contribution: $500
- Total Mortgage Interest Paid: $170,000
- Investment Balance after 19 years: $260,000
- Total Strategy Benefit (vs a $3,000 mortgage payment): $92,000
*This example is intended for educational and illustrative purposes only. Results will vary.
Book a Free 30 Minute Mortgage Powered Wealth Consultation
- Brent Richardson is a Principal Mortgage Broker and Certified Financial Planner (CFP®) with deep expertise in mortgage and wealth optimization strategies.
- Understand how the mortgage as the biggest part of your financial picture, can be positioned for your highest benefit.
- See personalized before-and-after comparison calculations.
- Learn how you can reduce your risk while protecting against inflation.
- Discover income tax reduction opportunities you may be missing out on.
- Answers to your most pressing home purchase, mortgage renewal or mortgage refinance questions.