FREE PLAYBOOK FOR HIGH-INCOME T4 EMPLOYEES
Free. Instant. Nothing to buy, no call required to read it. Just math your bank has never laid out.
THE TWO CHOICES
Put it against the mortgage
You save about $500 in interest this year. That's the entire return. Small, certain, and gone.
PUT IT TO WORK
It earns a return in the market, becomes an asset you actually own, and, structured properly, the cost of the money you use is generally tax-deductible.
For a household earning well and sitting on real equity, the second path is the one your bank has never laid out in plain numbers. The playbook lays it out.
Your equity has been sitting in drywall earning 0% since the day you bought. Your tax bracket has been treated as pure pain. The playbook shows you both as what they actually are: the two halves of an engine.
The worked example, in round numbers: how accessed equity gets put to work so you keep the difference between what money costs and what it earns. Every figure labelled, every figure checkable.
Past $181,440 of individual income in Ontario, the tax system starts paying its biggest rewards on exactly the moves you're now positioned to make. Deductible borrowing costs. A $10,000 RRSP contribution returning roughly $4,800. Per person.
What this strategy is, what it costs, where the risk lives, and who it's wrong for. Written plainly, because you were going to stress-test it anyway.
Init Capital Funding · Steve Balgobind, Licensed Mortgage Broker + Licensed Financial Advisor · 8Twelve Mortgage License # 13072 · Serving the GTA
The Idle Equity Playbook contains illustrative examples, not projections or guarantees. Returns are not guaranteed and borrowing to invest carries risk, including the risk that investment returns are lower than the cost of borrowing. Whether any strategy is suitable depends on your individual circumstances. This site is not part of, or endorsed by, Facebook, Google, or any social media platform in any way.