Your rentals already generate cash flow.We help you put it to work on your mortgage.
Rental cash damming sends the rent you already collect against your home mortgage, and pays rental expenses from a separate line of credit. We design it, set it up and document every transaction. Your accountant determines the tax treatment.
15+ Years
Experience
1,000+
Landlords Consulted
What We Do
Debt & Asset Optimization
Freedom10 designs, sets up and tracks cash-flow and borrowing strategies for Canadian landlords and homeowners. The idea is simple. The setup is where it goes wrong, so that is where we spend our time.
Accountant Reviewed | CFP Partners | SMCP Certified | BBB Rating: A
How It Works
From first call to mortgage freedom
01
Apply and Share Your Numbers
A two-minute application tells us whether the strategy fits. If it does, you book a call and send your numbers on a short form.
02
Your Plan, Modelled and Reviewed
Before the call, we model your plan on your real numbers and review it with a Chartered Professional Accountant. On a 30-minute video call, we walk you through it. Your own accountant confirms how it applies to your taxes.
03
Implementation & Ongoing Support
We help you restructure your mortgage (if needed), set up your strategy, and guide you through the years until it's running smoothly.
Client Reviews
Trusted across Canada
Verified Google Reviews
“Sean and Devon are truly an outstanding team of mortgage professionals. Their qualities of professionalism, expertise, and responsiveness are unmatched and have been consistent over several mortgages for me.”
Wendy
“Sean and Devon have been amazing advisors for 8+ years across multiple properties and mortgages. Their depth of market and product expertise is spectacular and has resulted in better financial outcomes for me.”
Graham
“When you meet Sean, you get Devon too. And when you meet Devon, you get Sean. In the best way possible. Their combined knowledge, clear communication, and responsiveness was outstanding throughout the entire process.”
Christina
“I had an outstanding experience working with this team. They demonstrated exceptional professionalism, deep industry knowledge, and a genuine commitment to helping me secure the best possible mortgage solution.”
Deepak
“Sean and Devon are truly an outstanding team of mortgage professionals. Their qualities of professionalism, expertise, and responsiveness are unmatched and have been consistent over several mortgages for me.”
Wendy
“Sean and Devon have been amazing advisors for 8+ years across multiple properties and mortgages. Their depth of market and product expertise is spectacular and has resulted in better financial outcomes for me.”
Graham
“When you meet Sean, you get Devon too. And when you meet Devon, you get Sean. In the best way possible. Their combined knowledge, clear communication, and responsiveness was outstanding throughout the entire process.”
Christina
“I had an outstanding experience working with this team. They demonstrated exceptional professionalism, deep industry knowledge, and a genuine commitment to helping me secure the best possible mortgage solution.”
Deepak
Meet the Founders
Devon Noble & Sean Smith
Devon and Sean are the founders of Freedom10 and licensed mortgage agents at Tango Financial. They specialize in helping Canadian landlords and homeowners implement tax-efficient mortgage strategies, backed by CPA and Certified Financial Planner partnerships.
Ready to see what's possible?
Join our free 60-minute masterclass to see how these strategies could work with your actual numbers.
JOIN THE FREE MASTERCLASS →FAQ