Your path to financial freedom starts today.

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

François Létourneau-Cloutier, Mortgage Broker
Smith Manoeuvre Certified Professional™

The Smith Manoeuvre™

It's time to master your mortgage

Start here

Ready to see how The Smith Manoeuvre™ could transform your financial future?


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.

Come learn more at our next live webinar.

Has your interest been piqued? Come join us for our next completely free monthly webinar.


Held on the fourth Monday of each month, this session offers all Canadians the opportunity to learn The Smith Manoeuvre™ basics directly from a member of our leadership team.

No pressure, just practical information to help you decide if this strategy is right for you.

Take the first steps today

Your Smith Manoeuvre Certified Professional™

François Létourneau-Cloutier

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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