NEW Smith Manoeuvre Certified Professional Calculator Deep Dive

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Издатель Jul 18, 2026

Want to see what these numbers look like for your own mortgage? Book a free call at http://www.chatwithjonah.com

In Parts 1 and 2 I explained the theory. In this video I stop talking and run the numbers live inside the new Smith Manoeuvre Certified Professional Calculator.

We take a real scenario, an $800,000 home with a $520,000 mortgage at 4.5% over 25 years, and watch exactly what happens to the conversion timeline, the tax refunds, the portfolio, and the ending net worth. Then I layer on two of the simplest accelerator strategies and show you how dramatically the results change.

Here's what we cover:

* The plain vanilla Smith Manoeuvre: 21 years to fully convert, $130,000 in tax savings, $924,000 portfolio, and a $404,000 net worth increase
* Why this is debt conversion and not leverage, and how total debt stays flat at $520,000 the entire time
* The break-even point around year 19 and what "financially ahead" actually means on the chart
* The debt swap: cashing out $40,000 in existing non-registered investments to instantly segment a chunk of the mortgage as tax deductible
* Cash flow diversion: rerouting $1,000 a month of existing contributions through the mortgage first
* What those two simple accelerators do to the results: conversion period cut from 21 years to 12, portfolio grows to $2.1 million, and net worth increase jumps by another $300,000
* Why the strategy is fully self-servicing and how the readvancing principal covers your line of credit interest without a dollar out of pocket
* Why clean tracing and dedicated accounts matter when layering accelerators, and why working with a Smith Manoeuvre Certified Professional protects your deductions

Assumptions used in this scenario: 43% marginal tax rate, 7% average annual investment return, and 100% of tax refunds applied as mortgage prepayments.

If you missed the earlier videos, Part 1 covers the foundation and Part 2 covers the accelerators and lender rules. Links in the description.

I'm Jonah Hoyos, a Smith Manoeuvre Certified Professional and mortgage agent with Tango Financial in Ontario.