How do I get started?

Start with the free masterclass. If the strategy looks like a fit, apply for a 30-minute video call and we'll model it on your numbers.

Is this available in every province?

Interest deductibility is governed by the federal Income Tax Act, so the same rules apply in every province. We work everywhere except Quebec, which has its own provincial tax rules.

Why isn't everyone doing this?

The idea is simple, but running it cleanly takes separate accounts, the right lender product and a monthly paper trail. Most accountants, brokers and bankers don't specialize in that setup. We do, and every implementation is reviewed with a Chartered Professional Accountant on the information you provide.

Can I use AirBnB income for this?

In theory, yes. However, due to the potential for changing regulations around short-term rentals, we generally advise against relying on AirBnB income to ensure your strategy remains stable long-term.

Live Online Masterclass

The Secret to Eliminating 10+ Years
Off Your Primary Mortgage

Most landlords pay their rental bills with rent and their home mortgage with whatever is left. That order can cost hundreds of thousands in interest over a mortgage.

A cash-flow and borrowing strategy Canadian investors have used for 40+ years.

Next Live Masterclass: October 6th & October 13th

Reserve My Free Seat →

Who Should Join

Landlords Who Want To Win

Retire 10 Years Early

Pay off your primary residence mortgage up to 10 years sooner using strategies like Rental Cash Damming.

Retire 2X Wealthier

How rental cash damming and the Smith Manoeuvre can run together to put more of your existing assets to work.

Cash Flow Negative

Stop subsidizing your rentals from your paycheque. Fix negative cash flow without selling a single property.

Personalized Results

Get a custom forecast built around your actual numbers - not a generic calculator.

Join the Free Masterclass

Before You Register

This strategy works best if you:

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

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

What You'll Learn

Inside the 60 Minute Event

The mortgage structuring mistake costing landlords hundreds of thousands

How rental cash damming replaces home mortgage debt with rental-use borrowing, and the tax rule that makes tracing matter

How landlords fix negative cash flow without selling properties

How to see your personalized mortgage freedom timeline

Professional Oversight

Accountant Review

Every implementation is reviewed with a Chartered Professional Accountant based on the information you provide. It is designed around section 20(1)(c) and CRA's published guidance on tracing borrowed money. Your own tax professional confirms how it applies to you.

Mortgage restructuring guidance (if needed)

Step-by-step transaction map

Long-term financial forecast

Trusted by Thousands

15 years of experience, real results

Sean Smith & Devon Noble 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

“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 right mortgage solution for my needs.”

Deepak

“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 so greatly appreciated.”

Christina

Wendy

Deepak

Graham

Christina

About Freedom10

Debt & Asset Optimization Strategists

Freedom10 is a team of licensed mortgage professionals, with CPA and Financial Advisor partnerships who specialize in helping Canadian landlords and homeowners restructure cash flow and borrowing with strategies like Rental Cash Damming, The Smith Manoeuvre, and Debt Swaps.

Every strategy is professionally reviewed. Based in Toronto, serving landlords and homeowners across Canada.

Devon Noble and Sean Smith, founders of Freedom10

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 restructure rental cash flow and borrowing, working alongside CPA and Certified Financial Planner partners.

FAQ

Common Questions

Ready to Take Control of Your Mortgage?

Register for the free masterclass and see how rental cash damming puts the rent you already collect to work on your home mortgage, and how every borrowed dollar is documented.