THE JOURNAL

Honest reads on mortgages, money, and real life

No fear-mongering. No jargon dumps. Just the kinds of conversations I would have with you over a cup of tea, written down so you can come back to them whenever you need.

Cash Damming, Explained Simply

Cash damming is a debt conversion mortgage strategy six-figure Ontario families use to pay off their mortgage in around 6 years instead of 25. Here is how it works in plain English, from a Kitchener-Waterloo mortgage agent.

Mortgage Strategies

Heart & Soul Mortgages

With Tiphereth Straker, Licensed Mortgage Agent Level 2, serving Kitchener–Waterloo and clients across Ontario.

Your story matters. Your mortgage should honour it.

Contact

Email: [email protected]

Phone: (226) 270-7272

Location: Kitchener–Waterloo, Ontario

© 2026 BRX Heart & Soul Mortgages – All Rights Reserved. | Tiphereth Straker · Licensed Mortgage Agent Level 2 · Lic. M21004493 · BRX Mortgage · FSRA #13463 | Heart & Soul Mortgages is a trade name used by Tiphereth Straker, Licensed Mortgage Agent Level 2, operating under BRX Mortgage, FSRA #13463, a licensed mortgage brokerage in the Province of Ontario. This website is for informational purposes only and does not constitute a commitment to lend or extend credit. All applications are subject to lender approval and underwriting guidelines. | Privacy Policy