Own more.
Owe smarter.

Take back control of your biggest debt. Make your mortgage work for you, so you keep more, owe less and build real wealth.

5.0 on Google · Licensed with Vine Group Mortgage Brokerage

Mitch Brushett
Mitch BrushettMortgage strategy expert · Vine Group Mortgage Brokerage

I'm buying a home

Your biggest debt gives you nothing back

You don't pay your mortgage with your salary. You pay it with what's left after tax.

  • Every payment comes out of after-tax income
  • None of the interest is deductible
  • None of it ever comes back to you

Wealthy Canadians set their debt up differently, so it helps build their wealth instead of only costing them. If you own a rental, invest or run a business, the same ideas may work for you.

Same house. Same payment. Better structure.
See your results now
Try your own numbers

To pay it off over 30 years, you need to earn

$1,354,609

before tax.

  • Your home$500,000
  • Interest$407,588
  • Income tax$447,021

$854,609 never touches your home.

Canadian fixed-rate mortgage, monthly payments, 30 years. Tax rate is your combined federal and provincial rate on the income used to pay it. Example only.

Why ownmore

Built around your life, not a rate sheet.

Most people sign at the lowest rate they can find and hear nothing until the renewal letter. Mitch starts with your whole picture: your home, your income, your rentals and your goals. Then he builds the mortgage around it.

The usual way
  • Rate firstPick the lowest number and sign.
  • Interest you never get backEvery dollar is paid with after-tax money.
  • One bank's productsWhatever that branch happens to sell.
  • Left aloneUntil a renewal letter shows up.
The ownmore way
  • Structure firstThe rate matters. What the debt does for you matters more.
  • Every dollar of debt has a jobSet up to help you build wealth, not just pay interest.
  • Lenders across CanadaThrough Vine Group Mortgage Brokerage, not one shelf.
  • Watched for the long runRates, renewals and your plan, every year.
  • Smith Manoeuvre Certified Professional
  • Licensed with Vine Group Mortgage Brokerage
  • Honest about fit: if it isn't right for you, Mitch will say so
See my results now

Ready to take back your financial freedom?

Your free Debt Audit takes about 5 minutes. Your results show up instantly: which strategies could fit, and what they could mean for your mortgage and your wealth over time.

See my results now

How it works

Five steps. It starts with two minutes and a short conversation.

  1. 1

    Tell Mitch about you

    Two minutes online: what you want help with, your home and any rentals. Mitch reaches out personally.

  2. 2

    Debt Audit

    Ready to go deeper? Enter your mortgage, income and debts and see a first estimate on your own numbers right away.

  3. 3

    Review call

    We go through your numbers together, look at how your mortgage could work harder for you, and whether a strategy fits you at all.

  4. 4

    Plan and set up

    If it fits, Mitch maps out the structure: which strategy, which lender and which mortgage. Then he handles the application and the set-up with the lender.

  5. 5

    Track

    Mitch keeps watching your mortgage after it closes: rates, your renewal and penalties. When something is worth changing, you hear from him first.

Work with Mitch

Mitch Brushett

Who you'll work with

Mitch Brushett · Mortgage Associate · Mortgage strategy expert

Mitch is an expert in advanced mortgage strategy: Rental Cash Damming, the Smith Manoeuvre, the Debt Swap and portfolio scaling. These strategies aren't a side offering for him. They're the whole focus of his work.

He's a mortgage broker, but getting someone a mortgage isn't what he loves about the job. Helping them build something is. He focuses on debt efficiency and financial structure first: he analyzes how your real estate debt is set up, and makes it work toward long-term wealth and a portfolio that can handle a bad year.

And when it helps, Mitch works alongside your accountant and financial advisor, so your mortgage, investments and taxes all line up.

See what your mortgage could be doing.

Pick the way that suits you. Either way, nothing is a mortgage application and there is no credit check.

I'm ready: work with Mitch Learn first: free webinar
Free webinar Work with Mitch