Smith Manoeuvre + Accelerator

The Smith Manoeuvre

A Canadian strategy that turns your mortgage into a wealth-building tool. By replacing non-deductible mortgage debt with tax-deductible investment debt, you can invest while paying down your mortgage—without increasing your monthly expenses.

Cash Flow Diversion

Instead of investing with new money, you redirect (or “divert”) the cash you were already saving or investing each month to pre-pay your mortgage. Then, you reborrow that same amount to invest. It’s a smarter way to accelerate your mortgage payoff and grow your investments at the same time—using the same dollars.

Debt Swap

If you already have non-deductible debt (like a personal loan or credit card), the Debt Swap lets you replace it with tax-deductible investment debt. You sell an existing investment, use the funds to pay off personal debt, then reborrow the amount and reinvest it—keeping your portfolio intact while improving your tax situation.