Keep your mortgage where it is. Equity Engine works with many readvanceable mortgages.
Paydowns get automatically reinvested into ETFs you choose, which can be easily paused and restarted.
Zero penalties, additional fees, or minimum terms. Your monthly payments don't change.
Track your strategy's peformance, right from your dashboard.
Equity Engine utilizes the Smith Manoeuvre strategy to build your wealth.
With every mortgage payment your portfolio automatically grows, tax-efficiently.
Instead of equity sitting idle in your home, it’s invested earlier, potentially compounding longer.
You could retire with more than you otherwise would.
Over a 25-year horizon, the average Canadian homeowner could retire with $1.2M more using this strategy.
Calculate how it could play out for you
Your 25-year projection in seconds
For illustrative purposes only. Actual results will vary. This is not tax advice.
20% home equity or more
A readvanceable mortages with a HELOC is required. You need at least 20% equity in your home to get one.
10+ year horizon
Markets dip. A longer horizon gives you time to ride them out.
Tolerance for risk
Your portfolio can drop before it pays off. You need the nerve to stay invested.
A meaningful tax bracket
The deduction is the whole point. The higher your marginal rate, the more you save.
No other plans for this equity
HELOC funds have to go toward investments. Need the credit room for something else? Ask your lender to set up a separate sub-account.
Every cycle builds on the last.
Disclaimer