TMC Greater Simcoe

Strategy Triage

Most homeowners hear about Cash Damming, Investment Leverage, the Debt Swap, and Cash-Out Refinance and don't know which one applies to them. This is the routing tool. Eight diagnostic questions about your file, ranked output across the four strategies, with a rough 10-year impact estimate and a click-through to the strategy explainer + the matching calculator.

Routing tool, not a precise model. Impact estimates are conservative shorthand for ranking. The per-strategy calculators produce sharper numbers with their own input sets. Tax-deductibility decisions belong with a qualified CPA. Full disclaimer.

Your situation

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Investments and debt

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Outside RRSP/TFSA, taxable accounts only

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Credit cards, LOC, car loans

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Rental property

Assumptions

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This is a routing tool, not a precise model. It identifies which strategies apply to your file and gives a conservative impact estimate. The per-strategy calculators produce sharper numbers.

Top strategy fit

Investment Leverage Strategy

Approximate 10-year impact: $114,767 in deductible interest, tax savings, and accelerated paydown.

Read the strategyOpen the calculator

Strategies that fit (2)

Ranked by approximate 10-year impact.

  • Investment Leverage Strategy

    $114,767

    $375,000 of home equity available; investment return assumption (7%) leaves room above the after-tax HELOC cost.

    Borrowing to invest carries real market risk. Long horizon and discipline required. CRA tracing must be airtight.

    Read the strategy →Open the calculator →

  • The Debt Swap

    $14,448

    $80,000 in non-registered holdings can be swapped against $475,000 of non-deductible mortgage.

    Liquidating investments triggers capital gains tax. Run the after-tax math with a CPA.

    Read the strategy →

Doesn't apply right now

Why each one isn't a fit on these inputs.

  • Rental Cash Damming

    No rental property reported. Cash damming requires income-producing real estate.

  • Cash-Out Refinance / Debt Consolidation

    Consumer debt is too small to justify the refinance closing costs.

Why this is a routing tool, not a precise model

The impact estimates above are conservative shorthand: ballpark deductible interest plus rough refund value over the horizon. They're for ranking, not financial planning. Each strategy has its own calculator that produces sharper numbers with your full set of inputs (rental cash flow patterns, assumed investment growth, capital-gains math, refinance penalties, etc.).

Estimated outcome only. Tax-deductibility decisions belong with a qualified CPA. Borrowing-to-invest carries real market risk. Every strategy listed needs CRA-clean tracing and a real conversation before implementation.

How to use this

Run it once with your real numbers. The top fit is the strategy most worth understanding first; the others below are ones you can layer over time. The “doesn't apply right now” list is also useful: it tells you what to set up so a future strategy becomes available (e.g., accumulating non-registered investments unlocks the Debt Swap; building rental cash flow unlocks Cash Damming).

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