Your rentals already generate cash flow.We help you put it to work on your mortgage.
Rental cash damming uses the rent you already collect as an additional prepayment on your home mortgage, and pays rental expenses with funds borrowed from a separate line of credit. We design the strategy and help you set it up, implement it and track every transaction. You should always seek independent tax advice if you are thinking about implementing these strategies.
15+ Years
Experience
1,000+
Landlords Consulted
What We Do
Debt & Asset Optimization
Freedom10 helps Canadian landlords and homeowners design, set up and track cash-flow and borrowing strategies. The strategy is simple. Running it correctly every month takes discipline, and that is where our guidance matters most.
Smith Manoeuvre Certified Professionals on our team | BBB Accredited Business
How It Works
From first call to freedom
01
Apply and Share Your Numbers
A two-minute application tells us whether your situation is worth a closer look. If it is, you book a call and send your numbers on a short form.
02
Your Numbers, Modelled
Before the call, we model your current setup using the numbers you share with us to see what improvements are possible. On a 30-minute video call, we walk you through what we found and what working together would look like.
03
Implementation & Ongoing Support
We coordinate with your mortgage representative to confirm your structure supports the strategy, then guide you through setup and support you for the first 12 months until it runs 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. They help Canadian landlords and homeowners implement debt conversion strategies: rental cash damming, the Smith Manoeuvre and debt swaps.
From Our Knowledge Base
Expert Guides & Resources
Ready to see what's possible?
Join our free 60-minute masterclass to see how these strategies could work with your actual numbers.
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