
As a Mortgage Agent, 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.
-Ryan

Ryan Best, Mortgage Agent Level 2
Smith Manoeuvre Certified Professional™
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I’m a dedicated mortgage professional with a strong foundation in construction and a genuine passion for helping families make confident, informed financial decisions. Married with three children, I understand firsthand how important stability, planning, and flexibility are at every stage of life.
Before entering the mortgage industry, I spent over 20 years working in construction, beginning at age 16 and continuing into my late 30s. I hold a diploma in Construction Engineering Technology – Management from Fanshawe College, which gives me a practical, real-world understanding of homes, renovations, and property value that many in the financial space simply don’t have. That background allows me to look beyond numbers and truly understand the asset behind the mortgage.
Today, I work with clients at all levels—first-time buyers, growing families, refinances, and complex scenarios—always focused on clear communication, long-term strategy, and solutions that align with their goals. I still enjoy renovating my own home and staying hands-on, which keeps me closely connected to the realities homeowners face.
Outside of work, I enjoy coaching my kids’ hockey teams, playing golf, boating, snowmobiling, and spending time in Muskoka. Above all, family comes first—and that same care, commitment, and integrity carries through to every client relationship.
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