
As a mortgage broker, I've witnessed firsthand the challenges Canadian homeowners face. Rising costs, economic uncertainty, and the pressure of balancing mortgage payments with retirement planning leave many feeling like they're running in place financially.
What's become increasingly clear is that traditional financial advice often falls short. Most Canadians are told to pay down their mortgage first, then start investing—a sequential approach that costs them decades of potential growth and tax advantages.
That's why I became a Smith Manoeuvre Certified Professional™.
This strategy offers a powerful alternative that allows homeowners to convert their mortgage into a wealth-building tool without finding extra room in their monthly budget.
What drives me is helping clients achieve financial outcomes they once thought impossible. By transforming how your largest expense works for you, we can create a path to both mortgage freedom and investment growth simultaneously.
Let's explore how this approach might work for your specific situation.
-Mike

Mike De Sousa, Mortgage Broker
Smith Manoeuvre Certified Professional™
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I have worked in the financial services and mortgage industry for over 28 years. I started my career working for the bank with the big, green comfy chair. I enjoyed my time there, but after 11 years, I felt I needed a change.
I really enjoyed dealing with mortgages, so I became a mortgage agent and then shortly afterwards, I took the necessary courses to get my Mortgage Broker license.
I’ve been working as a mortgage broker now for 20 years and I absolutely love my job. I enjoy working with clients and figuring out how to make the biggest purchase of their lives as smooth and stress-free as possible.
Personally, I love sports. I enjoy watching sports like hockey, baseball, football and soccer. I play softball in the summer with a great group of guys and I play pick up ice hockey in the winter. I’m also pretty decent at ping pong and pickleball.
I am happily married to my wife Jenn for 27 years and we have two awesome young men I am proud to call my sons. Nathan is 25 and Devin is 21.
I’m a down to earth, easy to talk to guy. If you have any questions, feel free to reach out to me. I would be honoured to help you.
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