
Repay principal
Distinguish principal from interest in the client’s mortgage payment. Only the principal portion repaid may free up new borrowing capacity, depending on their agreement.
Help clients understand what their financing could make possible, and what it requires. Smith Manoeuvre certification connects financing, investing and tax in a coordinated approach.

Brokers, advisors and tax professionals play different roles. A shared understanding helps them ask the right questions and document decisions.
These are the questions professionals ask most often. Some official program terms are still being confirmed.
The official answer is being confirmed with the SMCP team. Contact us for current terms before making a decision.
The official answer is being confirmed with the SMCP team. Contact us for current terms before making a decision.
The official answer is being confirmed with the SMCP team. Contact us for current terms before making a decision.
The official answer is being confirmed with the SMCP team. Contact us for current terms before making a decision.
The official answer is being confirmed with the SMCP team. Contact us for current terms before making a decision.
The official answer is being confirmed with the SMCP team. Contact us for current terms before making a decision.
The official answer is being confirmed with the SMCP team. Contact us for current terms before making a decision.
Eligibility and distribution rules are being confirmed. No lead volume, frequency, quality, or conversion should be assumed or considered guaranteed.
The official answer is being confirmed with the SMCP team. Contact us for current terms before making a decision.
The official answer is being confirmed with the SMCP team. Contact us for current terms before making a decision.
SMCP certification does not replace any professional credential, licence, or obligation, and it does not authorize advice outside your professional scope. Profession-specific compliance resources and expectations are being confirmed.