In 2025, many Canadian homeowners are looking for ways to reduce the income tax they owe and have more money for day-to-day expenses — the Smith Manoeuvre remains one of the most powerful strategies available. At Rampone-Marsh Mortgages, we help Kelowna homeowners understand and implement this approach to potentially turn their mortgage into a long-term investment tool.
What Is the Smith Manoeuvre?
The Smith Manoeuvre is a legal, Canadian tax strategy that converts the interest you are paying on your mortgage into a tax-deductible investment loan. By choosing a re-advanceable mortgage, homeowners pay down their principal while simultaneously borrowing to invest in income-producing assets such as stocks or real estate.
Let Rampone-Marsh Work For You
This strategy is fully allowed in BC and continues to grow in popularity as homeowners seek ways to build wealth and reduce tax liability. The team at Rampone-Marsh are here to advise you on how this might work for you. Here’s how it goes:
You refinance your home with a re-advanceable mortgage, a product Rampone-Marsh can help you access.
As you pay down your mortgage, that principal becomes available to re-borrow.
You use the available credit to invest in qualified assets like stocks, ETFs, or real estate.
The interest from the investment loan becomes tax-deductible, helping you recover a portion of your payments on your individual tax return.
Why Choose Rampone-Marsh?
We’re not tied to any single bank — we work with over 50 lenders to find the best product for you. We’re here to educate, support, and guide you through the Smith Manoeuvre step-by-step. Our goal is to help you use your mortgage as a financial tool, not just a debt.
Want to see if this strategy fits your financial future?
This could be the key to transforming your mortgage into a powerful financial asset. Contact Rampone-Marsh Mortgages today or call us at 250-801-8834 to explore how the Smith Manoeuvre could work for you — and let’s put your mortgage to work.
