Your path to financial freedom starts today.

As a mortgage broker with more than 20 years of experience and the responsible manager of Ratehub since 2025, I have always been committed to helping my clients obtain the best mortgage solution for their needs. In addition, I have personally implemented various tax strategies to maximize my returns and optimize my tax situation. Becoming a Smith Manoeuvre–accredited advisor was therefore a natural step, allowing me to better guide my clients toward the most suitable products and strategies for their needs and projects.

I would be pleased to assist you in your search for your next mortgage and help put the best strategies in place to achieve your financial goals.

-Philippe

Philippe Simard, Mortgage Broker
Smith Manoeuvre Certified Professional™

The Smith Manoeuvre™

It's time to master your mortgage

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In under 30 minutes, you'll discover a proven strategy that has helped thousands of Canadians become mortgage-free sooner while building significant investment wealth.

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Has your interest been piqued? Come join us for our next completely free monthly webinar.

Held on the fourth Monday of each month, this session offers all Canadians the opportunity to learn The Smith Manoeuvre™ basics directly from a member of our leadership team.

No pressure, just practical information to help you decide if this strategy is right for you.

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Your Smith Manoeuvre Certified Professional™

Philippe Simard

As a mortgage broker with 20 years of experience and the responsible manager of Ratehub since 2015, I have developed extensive expertise in the mortgage industry, along with strong financial knowledge that enables me to guide my clients toward the most suitable mortgage solutions and financial products.

I am committed to understanding my clients' needs through attentive listening and a results-driven, efficient approach. My goal is always to provide tailored advice that helps clients achieve their financial and homeownership objectives.

In addition, we have built a strong network of professionals who work closely with us to ensure our clients receive comprehensive support and access to the expertise they need at every stage of their journey.