Mortgage and cash-flow strategy for employed and self-employed earners

You earn good money. Let's make it feel like it.

You have a steady paycheck and a business of your own, and yet it can still feel like the money disappears before it does anything for you. That is exactly who I built this for. I help you make your income work harder, put your savings to work, and turn your mortgage from your biggest expense into something that builds real wealth.

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Real, non-bank hours. Evenings and flexible appointments available.

BRX Mortgage Inc. · Licence #13463 · Serving Southwestern Ontario

TIPHERETH STRAKER · YOUR STRATEGIST

How I can help

It starts with the mortgage itself

As a licensed mortgage agent, I get you pre-approved and arrange your mortgage, then build the smart strategy around it.

Pre-approvals Buying your first home Your next home or an investment property Refinances and equity takeouts Renewals and switches Debt consolidation Self-employed and complex income

Sound familiar?

You make good money. Where does it go?

You are not bad with money. Your money just is not set up to work for you yet.

"I make good money, so why does it feel like I'm living paycheck to paycheck?"A good income should buy you breathing room, not a treadmill.

"There's never quite enough for a vacation, or for actually enjoying life."You have earned the right to enjoy what you work so hard for.

"If an emergency came up tomorrow, I'm not sure I could cover it."Peace of mind starts with a cushion you can count on.

"My mortgage feels like it will last forever, and the interest feels wasted."Every month of interest is money that could be building your future instead.

Is this you? See who I work with

A different way to think about your money

Three things can change

Your income can work harder

You have two income streams. Set up the right way, they can do more than cover the bills. They can build.

Your savings can work for you

The money sitting in your account could be helping you get ahead, instead of standing still.

Your mortgage can become good debt

Your biggest debt does not have to just cost you. Structured well, it can actually work in your favour.

See how the strategy works

How your mortgage starts working for you

Your income, savings, and mortgage, pulling the same way

For someone with both employment and self-employment income, there is a smarter way to hold your mortgage. Here is how it actually works.

Read the full strategy

Your income flows through a re-advanceable or all-in-one mortgage, so more of every dollar goes to knocking down the balance and less to interest.

As the balance drops, a linked line of credit grows in step, turning the equity you build into money you can actually use.

You put that room to work, in your business or in investments, where the interest may become tax-deductible.

Over time, part of your mortgage quietly shifts from money you waste to money that builds, so it all pulls in the same direction.

This is general education, not tax or financial advice. What fits you, and any tax treatment, is confirmed with your accountant.

Who I work with

This is for you if

You have a T4 paycheck and a business of your own.
You earn a good income, but it still feels like it disappears every month.
You want your income, your savings, and your mortgage all working together.
You are tired of interest that feels wasted, and ready to start building instead.
Maybe you own a rental, or want to, and want your equity helping you grow.

Three simple steps

Book a call

Grab a free consultation at a time that suits you. No pressure, no jargon, no obligation.

We map your whole picture

Your income, your savings, your mortgage, and your goals, so we can see where your money could be working harder.

You get a real strategy

A clear plan that puts your income, savings, and mortgage to work, plus a partner who checks in with you every year.

Insights

Real talk on your money and your mortgage

The strategies and programs I wish more people knew about.

June 30, 2026 How Much Equity Have You Really Built In Your Home? If I asked you right now how much equity you have in your home, could you tell me? Here is the simple way to know your number, and why it matters. June 09, 2026 The First-Time Buyer's Guide to Buying a Home in Ontario Buying your first home in Ontario comes with far more help than most people realize. Here is all of it in one place, and the order to tackle it in. June 04, 2026 London & Middlesex Down Payment Assistance: Up to $25,000 If you're renting in London or Middlesex County and trying to scrape together a down payment, there's a local program built for exactly that. May 15, 2026 Cash Damming, Explained Simply Is there actually a way to pay your mortgage off in under 10 years without doubling your payments? For the right family, yes. Here is how.

View all insights

My story

From training bodies to building futures

I got into mortgages to be the person I wished my parents had access to. It started with a kinesiology degree, a newborn, and a lot of studying while the babies napped.

Read my story

Let's talk

Let's make your money work as hard as you do

Book a free, no-pressure consultation and let's map the path from where you are to where your money could take you.

Book your free consultation

Prefer to reach out directly? 226-270-7272 · tiphereth@heartandsoulmortgages.ca