Your rental mortgage is tax deductible.Your primary residence mortgage is not.We fix that.
Rental cash damming converts your primary residence mortgage interest into a tax deduction, using rental income you're already collecting.
15+ Years
Experience
1,000+
Landlords Consulted
8+ Yrs
Average Mortgage Acceleration
What We Do
Debt & Asset Optimization
Freedom10 sets up and manages mortgage tax strategies for Canadian landlords and homeowners, so you get the maximum benefit with the lowest possible risk.
CPA & CFP-Approved | SMCP Certified | BBB Rating: A
How It Works
From first call to mortgage freedom
01
Free Discovery Call
We review your mortgage, rental income, and financial goals to determine which strategies fit your situation.
02
Custom Strategy & CPA Review
We build a personalized plan with detailed projections. Every strategy is reviewed by a Certified Professional Accountant.
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.
Learn more about our team →From Our Knowledge Base
Expert Guides & Resources
The Ultimate Guide to Rental Cash Damming in Canada
The complete guide to rental cash damming for Canadian landlords. How this CRA-approved strategy converts non-deductible mortgage interest into a tax deduction.
Rental Cash Damming vs Smith Manoeuvre: Which Strategy Is Right for You?
Rental cash damming vs the Smith Manoeuvre: differences, which fits your situation, and whether Canadian landlords should combine both strategies.
Who Qualifies for Rental Cash Damming? Eligibility Requirements for Canadian Landlords
Do you qualify for rental cash damming? Four core requirements covering mortgage structure, property type, income, and rental situation for Canadian landlords.
How Rental Cash Damming Works: Step-by-Step Process for Canadian Landlords
How does rental cash damming work? Step-by-step walkthrough of the monthly process, mortgage structure, account setup, and CRA record keeping for landlords.
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