Blind Ranking (Setup 02) #1: Grading 30 Years of Mortgage Advice

Can I grade the mortgage advice Canadians have been given for the

last 30 years?

Some of it's solid.

Some of it...

needs an update.

Let's hand out some grades.

Rewritten in full, your July 22 pass — "changed it up a

fair bit."

F — "Just get the lowest rate." Not because rate doesn't matter.

Because it's only one piece of the puzzle.

The right mortgage structure will almost always outperform the lowest rate over

time.

B- — "Pay accelerated bi-weekly." Better than monthly.

Absolutely.

But it's an incremental improvement.

There are strategies that can move the needle much further.

D — "Skip the broker and just go to your bank." Your

bank can only recommend its own products.

A good mortgage strategist compares solutions, not just products.

C — "Take the longest amortization possible." Sometimes it makes sense.

Sometimes it's expensive.

It depends entirely on what you're doing with the extra cash flow.

Now let's talk about the strategies almost nobody discusses.

A — Routing your income through your mortgage.

Every payday starts reducing interest immediately.

A+ — Building an investment portfolio while paying down your mortgage.

Now your mortgage is helping build wealth instead of simply financing your

home.

A+ — Rental Cash Damming.

One of the smartest tax strategies available to the right rental property

owners.

The lesson?

Stop asking, "What's the best mortgage?" Start asking, "What's the best strategy?"

Comment HACKS and I'll send you the complete breakdown.

Or, simpler: "Follow me for more like this."