The information provided on this website, in our videos, emails, guides, consultations and any related materials is for general informational and educational purposes only. It is not financial, investment, legal, accounting, tax or mortgage advice.
Any strategies discussed, including tax-efficient mortgage planning, debt conversion strategies, borrowing-to-invest strategies, wealth-building frameworks or any similar concepts, are presented as general educational ideas only. These strategies involve borrowing, investing, tax considerations and long-term financial planning. They may not be appropriate for your circumstances.
Before acting on any information provided by Freedom10, you must consult with licensed and qualified professionals including a financial advisor, a Certified Professional Accountant, a licensed mortgage agent or broker, and any other advisor who understands your personal financial situation. Nothing on this website or in related materials should be interpreted as individualized or professional advice.
Freedom10 does not provide investment advice, does not recommend specific securities or asset allocations, and does not manage investment portfolios. All investment decisions must be made with a licensed investment professional.
Freedom10 does not provide tax advice and does not guarantee that any interest deductibility or tax treatment discussed will be accepted by the Canada Revenue Agency. All tax-related outcomes depend on your personal actions, documentation, compliance with CRA rules and independent advice from a qualified tax professional.
Freedom10 does not guarantee any specific financial results. This includes but is not limited to investment returns, tax deductions, CRA acceptance, mortgage payoff timelines, cash flow outcomes, borrowing costs or long-term financial projections.
Any examples, illustrations, projections or case studies are hypothetical and based on assumptions. Actual results will vary due to market conditions, interest rate changes, lending policies, CRA interpretations, implementation accuracy, economic factors and personal financial circumstances. Past performance does not guarantee future results.
Strategies that involve borrowing against home equity to invest carry significant risks. These may include:
• Loss of invested capital due to market volatility
• Increasing borrowing costs resulting from interest rate changes
• Possible denial or reassessment of tax deductions
• Decrease of home equity
• Cash flow strain or affordability issues
• Liquidity challenges when selling investments
• Negative financial outcomes if household income changes
• Long-term debt obligations that may exceed investment returns
You are solely responsible for evaluating these risks with appropriate professionals.
Freedom10 does not act as a fiduciary or financial caretaker for any user or client. Educational content, general strategy discussions or preliminary consultations do not create a fiduciary relationship. You are responsible for obtaining professional advice tailored to your situation.
Freedom10, its employees, partners and affiliates are not liable for any direct, indirect, incidental, consequential or special damages resulting from the use of or reliance on information provided through this website or associated materials. This includes errors, omissions, inaccuracies, financial losses, investment losses, tax consequences, changes in regulations or any decisions made without professional advice.
You use this information at your own risk.
This website may contain links or references to third-party content. Freedom10 does not endorse, verify or guarantee the accuracy of third-party information and is not responsible for any losses arising from its use.
Freedom10 reserves the right to modify, update or remove any content, strategies or disclaimers at any time without notice. Users are responsible for reviewing this page periodically.
All content provided is intended to introduce concepts at a high level. It does not include all required steps, compliance rules, tax considerations, lender requirements or CRA guidelines necessary for safe and accurate implementation. You must obtain personalized professional advice before implementing any strategy.
Any services provided by Freedom10, including planning, consultation or strategy implementation support, are governed by a separate written client agreement. This agreement must be reviewed and signed before any professional engagement begins and it supersedes all information found on this website or in any of our educational materials. No client relationship is created until the client agreement is fully executed.
To provide the highest quality service, Freedom10 may refer you to independent experts for implementation of certain strategies. These professionals are not employees or agents of Freedom10, and you will contract with them directly under their own business or brokerage. Freedom10 does not assume responsibility or liability for the services or advice provided by these independent parties. You will be informed of their identity, license (if applicable) and business affiliation prior to engaging in any work.
Freedom10 is not a licensed mortgage brokerage and does not engage in mortgage brokering activities. Any mortgage-related services, including refinancing, restructuring or new financing, will be handled by a licensed mortgage agent operating independently under their own brokerage. Licensing and brokerage details will be clearly disclosed before any mortgage work begins.
By submitting your contact information, you consent to Freedom10 collecting and storing your data for the purpose of providing educational content, updates and marketing communication. Your information will not be shared outside of required legal obligations or operational needs to deliver our services. You may unsubscribe at any time using the unsubscribe link in our emails or by contacting us at sean@freedom10.ca.
By using this website, accessing our materials or viewing our content, you acknowledge that you have read and understood this disclaimer and accept all terms. If you do not agree, you should refrain from using our website and services.
Freedom10 is a team of licensed mortgage professionals, with CPA and Financial Advisor partnerships who specialize in helping homeowners and landlords structure their mortgages and rental income more strategically. We design and implement tax-efficient strategies that allow you to make your home mortgage interest tax-deductible, pay it off years sooner, and build wealth smarter. It’s structured financial planning for investors who want to get ahead.
Where are we located?
We proudly service across Canada.
Our mailing Address: 802-201 Carlaw Avenue | Toronto ON | M4M 2S3
To deliver the best results, Freedom10 partners with leading independent experts across Canada. Mortgage services, if required, are handled directly by licensed mortgage agents or brokers. You’ll be informed of their name, license number, and brokerage before any work begins.