Canadians Need Financial Help Now More Than Ever |
The economic landscape is shifting, and Canadian homeowners are feeling the pressure like never before.
If you can relate to any of the above, you're not alone.
Don't worry, we can help!
We specialize in helping Canadian homeowners implement advanced mortgage strategies such as the Smith Manoeuvre™, cash flow dam, debt swap, offset mortgages, and others—so you can build wealth with the tools you already have without the need to change the way you live.
You don’t need to earn more or cut back—you need to structure your finances strategically.
With the right mortgage strategy, you can:
You’ve invested in your home. Now let’s make it invest in you.
- Inflation continues to erode our purchasing power
- Taxes now cost us more than food, clothing, and shelter combined
- Employee Pensions are increasingly uncertain
- Most Canadians are not where they hope to be with regard to retirement savings
- And for many families, there’s little left to invest at the end of the month.
If you can relate to any of the above, you're not alone.
Don't worry, we can help!
We specialize in helping Canadian homeowners implement advanced mortgage strategies such as the Smith Manoeuvre™, cash flow dam, debt swap, offset mortgages, and others—so you can build wealth with the tools you already have without the need to change the way you live.
You don’t need to earn more or cut back—you need to structure your finances strategically.
With the right mortgage strategy, you can:
- Turn your home into a wealth-building asset
- Make your mortgage interest work for you
- Free up cash flow without changing your lifestyle
- Build long-term financial security for your family
You’ve invested in your home. Now let’s make it invest in you.
Why Work With a Mortgage Planner?
As experienced Canadian mortgage professionals, we go beyond rate shopping.
We help you structure your mortgage to align with your financial goals—whether you're buying, refinancing, or investing.
Our planning strategies are tailored, transparent, and designed to help you build wealth without compromising your lifestyle.
Let’s build your strategy together.
We help you structure your mortgage to align with your financial goals—whether you're buying, refinancing, or investing.
Our planning strategies are tailored, transparent, and designed to help you build wealth without compromising your lifestyle.
Let’s build your strategy together.
What Is The Difference Between a Mortgage Planner, Professional, Broker, & Specialist
In the world of home financing, terms like Mortgage Planner, Mortgage Broker, Mortgage Professional, and Mortgage Specialist are often used interchangeably. While you likely won’t offend anyone by mixing them up, there are important distinctions worth understanding—especially if you're seeking expert mortgage advice in Manitoba.
What Is a Mortgage Broker?
The term Mortgage Broker is commonly used to describe an individual, but in Manitoba, it technically refers to the licensed brokerage company under which mortgage professionals operate. For example, while my business partner Brendan MacPherson is often called a Mortgage Broker, the correct designation is that Castle Mortgage, our brokerage, is the actual Mortgage Broker. Individuals like Brendan and myself are licensed under this Mortgage Broker to provide mortgage services.
What Is a Mortgage Professional?
A Mortgage Professional is a licensed individual who helps clients secure mortgage financing. They are trained to guide homeowners in selecting the right mortgage product based on their financial goals and circumstances. Unlike bank representatives, Mortgage Professionals have access to a wide network of lenders, allowing them to offer unbiased advice and competitive mortgage options tailored to each client’s needs.
What Is a Mortgage Planner?
A Mortgage Planner is a specialized type of Mortgage Professional who goes beyond basic mortgage advice. Mortgage Planners are equipped with the knowledge and resources to educate clients on advanced mortgage strategies—such as using a mortgage to build wealth and/or reduce income taxes. These strategies may involve coordination with a client’s Financial Planner and Accountant, as Mortgage Planners do not provide direct investment or tax advice.
Mortgage Planners focus on long-term financial outcomes, helping clients leverage their mortgage as a strategic financial tool—not just a loan.
What About A Mortgage Specialist?
The term Mortgage Specialist is often used by both independent Mortgage Professionals and bank employees. However, it’s important to note that bank Mortgage Specialists are not licensed and are limited to offering only their institution’s mortgage products. While they may have good intentions, their advice is often biased toward their employer’s offerings, which can limit the options available to the client.
Why the Title Matters Less Than the Service.
Ultimately, whether someone calls themselves a Mortgage Broker, Mortgage Planner, or Mortgage Specialist, what truly matters is the quality of service and the client-first approach. Licensed Mortgage Planners and Professionals work under a Mortgage Broker and are committed to acting in the best interest of their clients as per their licensing requirements.
Bank employees, on the other hand, may be constrained by their institution’s policies and product offerings, which can impact the breadth and objectivity of their advice.
What Is a Mortgage Broker?
The term Mortgage Broker is commonly used to describe an individual, but in Manitoba, it technically refers to the licensed brokerage company under which mortgage professionals operate. For example, while my business partner Brendan MacPherson is often called a Mortgage Broker, the correct designation is that Castle Mortgage, our brokerage, is the actual Mortgage Broker. Individuals like Brendan and myself are licensed under this Mortgage Broker to provide mortgage services.
What Is a Mortgage Professional?
A Mortgage Professional is a licensed individual who helps clients secure mortgage financing. They are trained to guide homeowners in selecting the right mortgage product based on their financial goals and circumstances. Unlike bank representatives, Mortgage Professionals have access to a wide network of lenders, allowing them to offer unbiased advice and competitive mortgage options tailored to each client’s needs.
What Is a Mortgage Planner?
A Mortgage Planner is a specialized type of Mortgage Professional who goes beyond basic mortgage advice. Mortgage Planners are equipped with the knowledge and resources to educate clients on advanced mortgage strategies—such as using a mortgage to build wealth and/or reduce income taxes. These strategies may involve coordination with a client’s Financial Planner and Accountant, as Mortgage Planners do not provide direct investment or tax advice.
Mortgage Planners focus on long-term financial outcomes, helping clients leverage their mortgage as a strategic financial tool—not just a loan.
What About A Mortgage Specialist?
The term Mortgage Specialist is often used by both independent Mortgage Professionals and bank employees. However, it’s important to note that bank Mortgage Specialists are not licensed and are limited to offering only their institution’s mortgage products. While they may have good intentions, their advice is often biased toward their employer’s offerings, which can limit the options available to the client.
Why the Title Matters Less Than the Service.
Ultimately, whether someone calls themselves a Mortgage Broker, Mortgage Planner, or Mortgage Specialist, what truly matters is the quality of service and the client-first approach. Licensed Mortgage Planners and Professionals work under a Mortgage Broker and are committed to acting in the best interest of their clients as per their licensing requirements.
Bank employees, on the other hand, may be constrained by their institution’s policies and product offerings, which can impact the breadth and objectivity of their advice.
Most Popular Services
Mortgage StrategyMortgage strategy is the art of structuring your home financing to work in your favor—not just to pay off debt, but to build long-term wealth.
For Canadian homeowners, this means using combinations of strategies like the Smith Manoeuvre™, and products like offset mortgages, to turn everyday payments into financial progress. The right strategy can help you grow your net worth without changing your lifestyle. If you're ready to make your mortgage work harder for you, we're here to guide you every step of the way. |
PurchasesPurchasing a home is one of the biggest financial decisions most Canadians will ever make—and the right mortgage strategy can make all the difference.
As your Mortgage Planner, we don’t just shop for rates; we'll structure your financing to align with your long-term goals. From navigating lender options to optimizing your borrowing power, we act as your advocate, advisor, and strategist. Whether you're a first-time buyer or upgrading for your growing family, we help you secure the right mortgage and lay the foundation for future wealth. |
RefinancingRefinancing your home isn’t just about chasing a lower rate—it’s an opportunity to restructure your finances, unlock equity, and accelerate your wealth-building goals.
As Mortgage Planners, we go beyond the basics to help you assess timing, strategy, and long-term impact. Whether you're consolidating debt, funding renovations, or implementing advanced strategies like the Smith Manoeuvre™, we tailor your refinance to fit your lifestyle and financial vision. |
The Team
Jason KilborneMortgage Planner
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Brendan MacPhersonMortgage Broker
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Laurie ToffanClient Care Specialist
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