Turn Your Mortgage Into
a Wealth Building Tool.

We use powerful mortgage strategies to help you pay less income tax, less mortgage interest, and accelerate your path to financial freedom.

WATCH THE 15 MINUTE MINI COURSE

Discover how our favourite strategy
"Rental Cash Damming" works.

Who Qualifies?

For Rental Cash Damming you must have a primary residence with a mortgage or second home like a cottage with a mortgage.

You need a source of rental income from a rental property or a second unit in your primary residence. If you don’t, you must be able to qualify to purchase a rental property or be able to add a second unit to your primary residence.

If your source of rental income is from a rental property, it must be owned in your personal name.

If your mortgage isn’t currently structured correctly, you will need to qualify with a bank in order to restructure it correctly.

Case Study

How this couple paid off their mortgage in 9.42 years

This Free Training

Includes:

What Rental Cash Damming is & why its important

How does Rental Cash Damming work

Risks of Rental Cash Damming

Who qualifies for Rental Cash Damming

What our role in the process is

WATCH THE 15 MINUTE MINI COURSE

Learn how to get back hundreds of thousands of dollars in tax refunds.

Client

Success Stories

Alicia: Mortgage Free in

9.42 years

Instead of 24

Thomas’s Tax Refunds:

$261,000

Ian: Mortgage Free in

11 Years

Instead of 30

Laurens’s Tax Refunds:

$374,000

Client

Success Stories

Alicia: Mortgage Free in

9.42 Years

Instead of 24

Thomas’s Tax Refunds:

$261,000

Ian: Mortgage Free In

11 Years

Instead of 30

Laurens’s Tax Refunds:

$374,000

About

Freedom10

We teach you advanced mortgage strategies to help you get ahead financially. When you're ready, you can hire us to implement them for you.

For example, Rental Cash Damming is a CRA tried and tested mortgage tax strategy that involves structuring the mortgage on your primary residence correctly, and then changing the flow of your rental income.

By doing this, you can get back hundreds of thousands of dollars in personal income tax returns over the lifetime of your mortgage. Which you then use to pay down your mortgage faster.

It’s perfect if you currently receive rental income or have the ability to purchase a rental property.

We encourage you to watch the free mini course. If you want to see if these strategies work for you, your next step is booking a complimentary phone consultation.

We partner with the top Rental Cash Damming experts in Canada. The person helping to implement your strategy may operate independently from Freedom10 and will contract with you directly under their own business.

FAQ

How do I get my results?

Please begin by watching the 15 minute mini course and then book a complimentary phone call with us if you think cash damming is for you.

Is this available in every province?

Yes, cash damming is a federally approved mortgage strategy. However, Freedom10 is not available in Quebec. For Quebec clients, please contact us for a referral to a reputable provider.

Why isn’t everyone doing this?

The truth is, many people—including professionals like accountants, mortgage brokers, and especially retail bankers—aren’t familiar with this strategy. It’s a specialized approach that isn’t widely known. Even if your accountant knows the rules, it can be difficult for them to guide you through the implementation. That’s why we’ve partnered with a Certified Professional Accountant, ensuring you have expert support from both sides to navigate this process effectively.

If we have an AirBnB property, can we use this as the rental income source?

In theory, yes. However, the challenge with AirBnB or any short-term rental income is the potential for changing regulations and government policies. To avoid future complications, we generally advise against relying on short-term rental income for Cash Damming, ensuring your strategy remains stable regardless of policy shifts.

See how quickly you can become mortgage free.

SCHEDULE A COMPLIMENTARY CALL

15 Minute Mini Course

This video is designed to provide you with a clear understanding of what Cash Damming is, how it can help you, and a high-level overview of how it works.

By the end, you’ll have enough information to decide if this strategy could be the right fit for your financial goals. However, it’s important to note that there are several personalized considerations and steps to ensure it’s implemented correctly.

Our service is here to tailor a plan that works for your unique situation, ensure you avoid potential pitfalls, and implement it for you. If you decide to proceed, we’ll ensure every detail is executed flawlessly to maximize your results.

P.S. We added some silly and cheesy animations to make Cash Damming more fun. We hope you enjoy it!

Next Steps

Before booking a call, please watch the mini course to make sure cash damming is for you.

Complimentary
Introductory Call

We’ll collect the necessary information needed to determine how quickly you can pay off your mortgage and calculate your tax savings.

Numbers Presentation

During this complimentary strategy call, you will receive your estimated mortgage freedom date and how much income tax you will save.

Commitment + CPA Reviewed Plan

If you decide to move forward, this is when you’ll pay the consulting fee. We’ll ensure that every detail of your strategy is tailored to your needs and compliant with CRA regulations.

Implementation

Your rental cash damming expert will guide you through every step of the implementation process to ensure everything is set up correctly. We’ll also be with you for three months after implementation to make sure you’re on track.

Accountant Reviewed

Each client is presented with a custom plan that is reviewed by a Certified Professional Accountant. It's important that you move forward with confidence.

Banks available

Scotiabank

RBC

ManuLife

BMO

CIBC

MCAP

National Bank

WHO ARE WE?

Sean Smith, is an award-winning licensed mortgage agent with over 15 years of experience, who has successfully advised thousands of families.

Devon Noble is a licensed mortgage agent who has an extensive background in finance, with specialized knowledge in investment products, economics, and financial markets. He has managed hundreds of millions in mortgage transactions. He is a certified Smith Maneuver and Cash Damming Specialist.

For the mortgage brokering portion of our service (if applicable), our license is with Dominion Lending Centres Estate Mortgages Inc. Full mortgage services disclosure at the footer of this website.

Sean Smith
Co-Founder

Mortgage Agent Level 2
License #M11000235

Devon Noble
Co-Founder

Mortgage Agent Level 2
License #M19001928

Mortgage Services Disclosure

To deliver the best results, Freedom10 partners with leading independent experts across Canada who specialize in Rental Cash Damming and advanced mortgage strategies. Mortgage services, if required, are handled directly by licensed mortgage agents. You’ll be informed of their name, license number, and brokerage before any work begins. Some of our partners operate through Dominion Lending Centres Estate Mortgages Inc. (1052 Kingston Rd, Toronto, ON M4E 1T4), while others may operate under different brokerages. Each office is independently owned and operated.

Terms and Conditions

Turn Your Mortgage Intoa Wealth Building Tool.