
As a mortgage, 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.
-François

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Get immediate access to our free mini-course below!
In under 30 minutes, you'll discover a proven strategy that has helped thousands of Canadians become mortgage-free sooner while building significant investment wealth.
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Background
Aviation, adventure, new experiences, and challenges have always been passions of mine, which led me to begin a career as a helicopter pilot in 2004. During my aviation career, I also developed two very different interests: securities and real estate.
At the same time, I pursued studies in business administration. My passion for real estate grew during my university years and was solidified with the purchase of my first home — a duplex in the Québec City region. I initially majored in finance, but eventually reshaped my academic path to include real estate. In 2017, I made the leap to become a mortgage broker.
Services
Purchase / Construction
Refinancing
Transfer / Subrogation
Smith Manoeuvre
Mission
I support and guide both new and experienced homebuyers in securing a mortgage that truly aligns with their current needs and future property-related goals.
Values
Precision
Efficiency
Transparency
Creativity
Perseverance
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