A strategy-driven mortgage business

How to Build a $100M Mortgage Business

A live conversation with Nick Cox and Zac Lofeudo

Discover how one mortgage broker built a $100M+ business by specializing in advanced mortgage planning, debt conversion strategies, The Smith Manoeuvre™ and the Cash Flow Dam for real estate investors.

Topic: How to Build a $100M Mortgage Business

Time: 12:00 pm PT / 3:00 pm ET

Date: Thursday, June 4th

The Current Reality

How do you build a mortgage business when rate is no longer enough?

For Zac LoFeudo,
the answer wasn’t competing harder on rate.

It was becoming something different entirely.

Instead of positioning himself as “just another broker,” Zac built his business around:

  • advanced mortgage planning

  • debt conversion strategies

  • The Smith Manoeuvre™

  • the Cash Flow Dam for rental property investors

  • and long-term financial optimization

The result?

Over $100M per year in mortgage volume built around strategy-driven conversations.

Testimonials

WHAT SMCPs ARE SAYING...

Becoming a Smith Manoeuvre Certified Professional (SMCP) completely re-energized my business. It shifted me out of transactional mortgage conversations and into deeply strategic, purpose-driven work. The outcomes are far more satisfying because I'm not just saving clients a few basis points, I'm helping create real, lasting financial change. The certification has effectively cut out the competition. The conversation is no longer about rate; it’s about strategy, tax efficiency, and long-term wealth planning. A space where automation and rate shoppers simply can’t compete! Just as importantly, SMCP gave me focus. It eliminated the shiny object syndrome of constantly chasing new tools and tactics, and helped me to niche down with clarity and confidence. I now operate with a clear framework, a clear message, and a much deeper impact for the clients we serve. Thank you!

Christina P.

The SMCP certification was a true catalyst in my company's development. It allowed me to structure and master advanced mortgage strategies, such as The Smith Manoeuvre™, the Cash Flow Dam Accelerator, and equity optimization, with much greater rigor, clarity, and consistency. In practical terms, the SMCP certification has helped me transition from a transactional broker role to that of a strategic partner for my clients. Today, I no longer simply focus on finding a rate or a product. I guide clients through a comprehensive analysis of their debt structure, taxation, cash flow, and long-term value creation. This certification also strengthened my credibility with more sophisticated clients, including engineers, entrepreneurs, and investors, who ask highly specific questions and seek well-documented, traceable, and compliant strategies. It motivated me to improve my internal processes, educational explanations, and tools, thereby enhancing the quality of my service and the perceived value of my support. Finally, becoming an SMCP profoundly influenced my company's vision. Building a sustainable practice, focused on financial education, transparency and long-term relationships, rather than short-term volume.

Antoine B.

It has opened my eyes to a whole new side of Brokering that I feel like I really connect with. I've always brokered from a place of providing education and guidance, and this strategy takes that to a whole new level!

Jason K.

Unlike other brokers, the rate is no longer the main conversation, but rather how to improve the client's overall situation!

Louis-Philippe F.

It feels like I’ve gained a powerful advantage, with an entire army behind me.

Pierre-Alain S.

It changes everything! The approach, the messaging, the skills, the added value to every file, and business growth. The discovery of a community committed to better serving clients and contributing to our industry.

Sylvain L.

The New SmithMan Calculator

Here's what we'll cover

In this session, you’ll see:

  • How Zac built a $100M+ mortgage business around strategy instead of rate

  • Why the Cash Flow Dam has become such a powerful niche for investor-focused brokers

  • How advanced mortgage planning changes the client conversation

  • The compounding effect of specialization and positioning

  • Where the future of mortgage brokering may be heading

This is what you can create when the mortgage becomes the centre of long-term financial planning.

Meet Your Hosts:

Nick Cox

National Director, Smith Manoeuvre Services Corp.

Nick brings over two decades of international financial expertise to our team.

After founding and managing a successful mortgage brokerage in Australia, he made Canada his home and discovered the transformative power of strategic mortgage planning.

Nick's client-centric approach and sophisticated understanding of integrated financial strategies allow him to guide both homeowners and professionals through wealth-building opportunities with clarity and confidence.

Zac LoFeudo

Mortgage Agent, Level 2  |  Smith Manoeuvre Certified Professional  |  Vine Group

Zac LoFeudo is a Canadian mortgage broker specializing in advanced mortgage planning strategies for real estate investors, including the Smith Manoeuvre™ and Rental Cash Damming.

In just a few short years, Zac has built one of the fastest-growing strategy-focused mortgage businesses in the country, surpassing $100M in annual mortgage volume by positioning himself around long-term financial planning instead of transactional lending.

Known for his ability to simplify complex concepts and structure sophisticated investor-focused strategies, Zac works closely with clients looking to optimize cash flow, improve tax efficiency, and build long-term wealth through real estate.

His insights have been featured on CP24, CTV, Yahoo Finance, and the Financial Post.

The Strategic Foundation

📘 The Strategy Behind the Shift

This session isn’t about a book - but it is built on the thinking behind one.

  • Master Your Mortgage for Financial Freedom by Robinson Smith introduced The Smith Manoeuvre™ a strategy that reframes a mortgage from a simple loan into a long-term financial tool.

  • That shift in thinking is exactly what’s driving the move from rate-focused brokers → strategy-led advisors.

This webinar shows you how that shift is playing out in today’s market - and how you can adapt.

frequently asked Questions

Who is this for?

This session is designed for licensed mortgage professionals in Canada who are looking to deepen their client relationships and expand beyond rate-based competition. It assumes foundational industry knowledge.

Will there be a recording?

A recording will be available to registered attendees following the live session. Live access is strongly encouraged, as there will be interactive discussion elements.

How long is the session?

The briefing runs approximately 75 minutes, including a focused Q&A period at the close.

What do I need to prepare?

Nothing formal. Come ready to think differently about your role. The session is designed to challenge assumptions, not review fundamentals.

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