How Does Cash Damming Actually Work
If you’ve ever felt frustrated paying mortgage interest with after-tax dollars, you’re not alone. Many Canadian homeowners and investors want to know how to make their money more efficient, how to pay off debt faster while reducing taxes. That’s exactly what the Cash Damming strategy does. Let’s break it down simply, then explain why Martine Perron is the best at putting it into action for you.
How Cash Damming Works
Cash damming turns monthly rental income into a wealth-building system.
Here’s the basic idea:
You use income from your business or rental property to make extra payments on your non-deductible mortgage (your home).
You then borrow that same amount back from your home equity line of credit (HELOC) to cover your business or rental expenses.
Over time, this process converts your mortgage debt into tax-deductible investment debt. You don’t spend more, you just rearrange how money flows.
Each month:
You create growing tax deductions,
Pay down your non tax deductible mortgage faster, and
Build access to investable capital that was locked away in your home.
It’s completely legal, CRA-recognized, and one of the smartest ways to make your mortgage work for you.
Why Martine Perron Is the Best at Implementing Cash Damming
1. Proven Expertise in Smith Manoeuvre Strategies
Martine is a Smith Manoeuvre Certified Professional who has helped countless clients implement Cash Damming correctly and efficiently.
2. Real-World Experience
She and her husband used this exact strategy to handle a $780,000 tax situation, turning a challenge into long-term savings. She’s lived what she teaches.
3. Seamless Step-by-Step Process
Martine has built a clear step by step process that includes live calculations, custom plans, and video walkthroughs so clients never feel lost.
4. Collaboration With Financial Professionals
She partners with accountants, wealth advisors, and realtors to ensure every strategy fits within proper tax and financial frameworks.
5. Client-First Education
Her clients describe her as “the first person who made this make sense.” She takes pride in making sure you understand not just what to do—but why it works.
With Martine’s guidance, Cash Damming stops being a mystery and becomes a clear, repeatable system that helps you save on taxes, accelerate your mortgage payoff, and grow long-term wealth, all without taking on new debt.
If you want it done right, Martine Perron at Arc Mortgage is the professional who knows how to make it happen.