Legal · Read Once, Applies Everywhere

Disclaimer

Every page of this site carries a short disclaimer that links here. This is the full version — what the content on this site is, what it is not, and what a conversation with Mike does and does not promise.

The master disclaimer

Applies to every page of this site

Educational content only. The information on this website, including content about readvanceable mortgages, the re-borrow-and-invest strategy, cash damming, debt swapping and other strategies, is provided for general education and information only. It is not, and should not be relied on as, tax, legal, accounting, investment or financial-planning advice, and it does not constitute a recommendation to borrow to invest. Mike Laracy is a licensed Mortgage Agent Level 1 (Licence #M100001454) with Evolv Mortgage Group (Brokerage Licence #13833) and is not a tax advisor, accountant, financial planner or investment advisor. Strategies that involve borrowing to invest amplify both gains and losses and are not suitable for everyone. Tax outcomes, including the deductibility of interest, depend on your personal circumstances and current CRA rules, which can change. Before acting on any strategy described here, consult a qualified tax professional and, where applicable, a licensed investment advisor. Examples and calculations shown are hypothetical illustrations only and are not projections or guarantees of your results. Mortgage products are subject to lender approval; nothing on this site guarantees approval, rates or terms. O.A.C. (on approved credit).

What a Mortgage Wealth Review™ is not

The Mortgage Wealth Review™ is a structured, educational conversation about your mortgage, equity and cash flow. It is worth being equally clear about what it is not:

It is not investment, tax or legal advice — and not a substitute for your own accountant, planner or lawyer.
It is not an approval, a pre-approval or a rate guarantee.
It is not a promise of any return, tax deduction or savings.
It is not a commitment to any strategy, lender or product — the review can, and often does, end with “change nothing.”

Where this disclaimer applies

Everywhere on LaracyLending.com — every education page, every calculator, every hypothetical illustration and every form. The short disclaimer at the foot of each strategy page is an abbreviation of this one, and this page is always the authoritative version.

Questions about anything here? Reach Mike through the contact page. For how your personal information is handled, see the privacy policy.