Re-evaluating Canada's Best Re-Advanceable Mortgages: The New Top 4 Post-OSFI Rankings
About this episode
The episode discusses the new rankings of Canada's best re-advanceable mortgages following OSFI regulations, featuring insights from mortgage expert Sabiha Mukadam.
If you're using the Smith Manoeuvre or considering a re-advanceable mortgage, this 2026 update is essential. Which readvanceable mortgage is best for you for the Smith Manoeuvre? The rules have changed. Following new OSFI regulations, Canada's major banks have implemented re-advanceable mortgages differently, changing which lenders now offer the best experience for building wealth. In this video, I'm interviewing our in-house mortgage expert, Sabiha Mukadam, as we re-rank Canada's best re-advanceable mortgages and explain how the new rules affect investors. We are Smith Manoeuvre mortgage experts because we have been working with these mortgages every month for the past 15 years, helping clients after their Smith Manoeuvre has been implemented. We see how these mortgages work in practice. Sabiha has been handling this work for the past six years. She doesn't just help our clients structure these mortgages every day—she also worked inside three of Canada's Big Five banks, managing mortgage underwriting. Together, we're giving you our new 2026 rankings and discussing the unique strengths and weaknesses of the Top 4 re-advanceable mortgages, as well as the one that ranks last…
More episodes of Unconventional Wisdom
- Are There Really 8 Smith Manoeuvre Strategies?
- How to Build a Retirement Plan That Actually Works (and Grows Your Wealth)
- The Financial Future Isn't Broken. It's Optional | Gen Z Investing
- Unlocking Peace of Mind with the Smith Manoeuvre: Turning Your Home into a Wealth-Building Engine
- Retirement Tax Shock: Why Many Canadians Pay More Tax Than Expected
- How Banking Actually Works (And How to Set Up Your First Accounts)
Explore listener stats, chart rankings, contacts and more on the Unconventional Wisdom podcast page.