✓ Verified math — proven against independent references and last checked September 1, 2026; the full proof is under "How this is figured," below the results.
For clients with rental or business income and a home mortgage: pay the business’s expenses from a dedicated credit line (whose interest is deductible), and send the business’s cash at the mortgage instead. Same dollars, same total debt — but month by month, non-deductible mortgage becomes deductible borrowing. Read the full cash-damming strategy explainer.
Setting this up properly needs the right products — a readvanceable mortgage or dedicated line with clean tracing — and coordination with the client’s accountant. That structuring is this desk’s work.
Arrange a confidential introductionRamin Hallaji, Principal, licensed in British Columbia (BCFSA) and Alberta (RECA) — a private-client desk of Mortgage Guru Financial, Dominion Lending Centres Group · 778-879-6768 · ramin@privatewealthfinancing.ca · Legal & licensing · Privacy policy
Illustration only — not tax, investment, or legal advice, and not an offer of financing. Deductibility depends on CRA’s direct-use rules: the credit line must pay only genuine income-earning expenses, kept cleanly separate from personal spending, with the paper trail to prove it — the client’s accountant must bless the setup before it starts. Assumes constant rates, refunds credited as interest accrues, expenses steady, and the mortgage payment plus redirected cash continuing until conversion. Mortgage interest here is figured with Canadian semi-annual compounding; the credit line compounds monthly. Private Wealth Financing arranges mortgage financing only.