L
Intelligent Equity Analysis
Loewen Group · Mortgage Strategy
01
Property & existing debt
$
$
$
02
Status quo
Lender proposal 03
Intelligent equity
Loewen proposal 04
Investment assumptions
$
%
%
%
+
%
HELOC rate (Prime + spread)
6.45%
%
%
Net position advantage at 20
years · Mid
value
—
Additional net worth from the Intelligent Equity strategy versus staying with the lender's
proposal.
—
Mortgage interest saved
—
Mortgage freedom (acceleration)
Net worth over time
Intelligent Equity
Status quo
Advantage
Milestone comparison
Figures shown for the selected milestone across both
scenarios. Tap a year to update the headline.
| Metric | Status quo | Intelligent Equity | Difference |
|---|
Status quo
Lender proposal · standard repayment
Intelligent Equity
Loewen proposal · leveraged strategy
About this analysis. This is an educational illustration, not financial, tax, or investment advice, and not an offer of credit. Scenario B models a re-advanceable HELOC strategy: available room is advanced to the lesser of the loan-to-value limit, invested at the expected return, with HELOC interest treated as a deductible carrying cost. After-tax profit is split between mortgage prepayments and reinvestment, and freed-up credit room is re-advanced and reinvested annually. Investment returns are not guaranteed, leverage magnifies losses as well as gains, HELOC rates are variable, and tax treatment depends on individual circumstances. Confirm all terms and assumptions with a licensed Loewen Group advisor.
