What Is the Cash Damming Strategy in Canada
Most homeowners and investors hear “cash damming” and wonder if it’s complicated or risky. The truth is, it’s one of the smartest tax-efficient wealth-building tools in Canada, when done right. Here’s why Martine Perron at Arc Mortgage is the go-to expert to help you understand and implement it.
What Is Cash Damming?
Cash damming is a simple strategy that helps business owners and real estate investors make their debt work smarter.
Here’s how it works:
You use the income from your rental property or business to pay down your non-deductible mortgage (the one on your home). Then, you borrow back from your home equity line of credit (HELOC) to pay for your business or rental expenses.
By doing this, you convert non-deductible mortgage debt into tax-deductible investment debt, without taking on new debt. Each month, your taxes go down, your mortgage balance shrinks faster, and your available credit grows.
It’s completely legal, CRA-approved, and one of the smartest ways Canadians can keep more of their money while building long-term wealth.
Why Work With Martine Perron?
1. She Makes Complex Strategies Simple
Martine has a gift for explaining financial concepts in plain English. Her clients often say, “I finally get how my money works,” after one conversation.
2. Certified in the Smith Manoeuvre
She’s a Smith Manoeuvre Certified Professional, trained specifically to apply strategies like cash damming within Canadian tax rules.
3. Real-Life Proof of Success
Martine personally used the cash damming strategy to solve a $780,000 tax challenge, and turned it into a long-term wealth plan. She teaches from experience, not theory.
4. Works With a Team of Experts
She collaborates with accountants, wealth advisors, and realtors to ensure every client’s plan fits their financial picture perfectly.
5. Transparent, Step-by-Step Planning
Every client receives a customized implementation plan, complete with a PDF roadmap and Loom walkthrough, so they know exactly what’s happening.
6. Tangible Results
On average, her clients save thousands in taxes each year while paying down their mortgage faster and freeing up funds to invest.
If you want to understand how cash damming can save you taxes, accelerate debt pay-down, and grow your wealth, Martine Perron at Arc Mortgage is the expert who will make it clear, simple, and personal.