
As a mortgage broker, I've witnessed firsthand the challenges Canadian homeowners face. Rising costs, economic uncertainty, and the pressure of balancing mortgage payments with retirement planning leave many feeling like they're running in place financially.
What's become increasingly clear is that traditional financial advice often falls short. Most Canadians are told to pay down their mortgage first, then start investing—a sequential approach that costs them decades of potential growth and tax advantages.
That's why I became a Smith Manoeuvre Certified Professional™.
This strategy offers a powerful alternative that allows homeowners to convert their mortgage into a wealth-building tool without finding extra room in their monthly budget.
What drives me is helping clients achieve financial outcomes they once thought impossible. By transforming how your largest expense works for you, we can create a path to both mortgage freedom and investment growth simultaneously.
Let's explore how this approach might work for your specific situation.
-Jonathan

Jonathan Tillger, Mortgage Broker
Smith Manoeuvre Certified Professional™
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Jonathan has been working in the mortgage industry since 2008. Along the way, he’s owned and operated his own brokerage as the principal broker, giving him a deep understanding of the industry and a hands-on approach to helping clients.
Jonathan's focus has always been on creating mortgage plans that fit into his clients' bigger financial goals. He works with strategies like tax-deductible mortgages and Cash Flow Damming to make sure his clients aren’t just getting a mortgage, but a plan that helps them build wealth over time. As a Certified Smith Manoeuvre Professional, Jonathan enjoys helping people turn their mortgage into a financial tool that works for them, not just the bank.
With years of experience under his belt, Jonathan is excited to continue working with clients to provide personalized mortgage strategies that make sense for their long-term financial health. He takes pride in offering down-to-earth advice and solutions that help people navigate the sometimes confusing world of mortgages with confidence.
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