Illustrative Case Studies
These are anonymized examples for educational purposes based on typical scenarios we see. Actual client results vary widely based on individual circumstances, market conditions, and lender decisions. They are not guarantees or representations of what you will achieve.
The Situation: Bank pre-approval at 4.89%. They were about to offer on a condo but felt the rate was high. Down payment 15%.
What We Did: Ran through AI in 47 seconds – flagged better A-lender program + 0.35% improvement. Also qualified for full land transfer tax rebate they almost missed.
Results: Locked 4.29% 5-year fixed. Saved ~$18,400 in interest over 5 years vs bank offer. Plus $4,100 land transfer rebate applied at closing. Received $2,650 cash back from our commission.
Net win: Over $25,000 better off in first 5 years.
The Situation: Bank offered 5.29% renewal. Credit was thin from business write-offs. 8 months left on term.
What We Did: AI matched to B-lender using 12-month bank statements (not NOAs). Structured with 15% prepayment room + readvanceable feature for future Smith Manoeuvre.
Results: Locked 4.49% for 3 years. Saved $7,800/year vs bank offer. $2,100 cash back. Now positioned for Smith in 18 months.
Net win: $23k+ over term + future tax strategy unlocked.
The Situation: High earners, $280k equity available. Wanted to accelerate payoff and reduce tax bill.
What We Did: Structured readvanceable mortgage + HELOC at competitive spread. Coordinated with their accountant for proper CRA setup. Invested in diversified dividend ETF portfolio.
Results (after 18 months): $68k borrowed and invested. Annual tax savings $2,900+. Mortgage paid down 14 months faster than original plan. Portfolio up 11% net of costs.
Net win: On track for $95k+ total benefit over 10 years (before market risk).
Your story could be next.
These are illustrative examples only. Actual results vary widely and depend on many factors including market conditions, your credit, property, and lender decisions. Past performance is not indicative of future results.