https://speakerdeck.com/dtswcan 2026-11-02 19:36:50 -0500 Swapping retirement savings for the family home is a common way to fund a spousal buyout. But a dollar in an RRSP isn’t worth a dollar of tax-free home equity, because tax comes off when the money is withdrawn. This guide works through the after-tax math with an example. It also explains how an RRSP can be moved to a spouse without tax using Form T2220, and why locked-in pension money changes the trade. Want to see what the buyout would cost in cash first? Try the free Matrimonial Home Buyout Calculator: https://divorcethesmartway.ca/tools/matrimonial-home-buyout/ Ken S. Maynard, AP.fm, CDFA | Divorce the Smartway General information only, not legal, tax or financial advice. Swapping retirement savings for the family home is a common way to fund a spousal buyout. But a dollar in an RRSP isn’t worth a dollar of tax-free home equity, because tax comes off when the money is withdrawn. This guide works through the after-tax math with an example. It also explains how an RRSP can be moved to a spouse without tax using Form T2220, and why locked-in pension money changes the trade. Want to see what the buyout would cost in cash first? Try the free Matrimonial Home Buyout Calculator: https://divorcethesmartway.ca/tools/matrimonial-home-buyout/ Ken S. Maynard, AP.fm, CDFA | Divorce the Smartway General information only, not legal, tax or financial advice. Mon, 02 Nov 2026 00:00:00 -0500 https://speakerdeck.com/dtswcan/trading-your-rrsp-or-pension-for-the-house-the-after-tax-math https://speakerdeck.com/dtswcan/trading-your-rrsp-or-pension-for-the-house-the-after-tax-math Most spousal buyouts mean breaking your current mortgage, and the penalty can run into five figures. This guide explains the two ways lenders usually charge it: three months’ interest, and the interest rate differential (IRD), which is based on the gap between your rate and today’s rates. It works through an example with real numbers, then covers who pays the penalty and four ways you may be able to lower it. Want to build the penalty into your plan? Try the free Matrimonial Home Buyout Calculator: https://divorcethesmartway.ca/tools/matrimonial-home-buyout/ Ken S. Maynard, AP.fm, CDFA | Divorce the Smartway General information only, not legal or financial advice. Most spousal buyouts mean breaking your current mortgage, and the penalty can run into five figures. This guide explains the two ways lenders usually charge it: three months’ interest, and the interest rate differential (IRD), which is based on the gap between your rate and today’s rates. It works through an example with real numbers, then covers who pays the penalty and four ways you may be able to lower it. Want to build the penalty into your plan? Try the free Matrimonial Home Buyout Calculator: https://divorcethesmartway.ca/tools/matrimonial-home-buyout/ Ken S. Maynard, AP.fm, CDFA | Divorce the Smartway General information only, not legal or financial advice. Mon, 02 Nov 2026 00:00:00 -0500 https://speakerdeck.com/dtswcan/breaking-your-mortgage-early-prepayment-penalties-in-a-spousal-buyout https://speakerdeck.com/dtswcan/breaking-your-mortgage-early-prepayment-penalties-in-a-spousal-buyout A regular refinance usually stops at 80% of your home’s value. That can leave you short when you’re buying out your spouse. Some insured spousal buyout programs let you borrow up to 95%. This guide works through an example with real numbers. It covers the mortgage insurance premium and the Ontario sales tax on it, the stress test you still have to pass, and the paperwork lenders want before you apply. Want to see how much you’d need to borrow? Try the free Matrimonial Home Buyout Calculator: https://divorcethesmartway.ca/tools/matrimonial-home-buyout/ Ken S. Maynard, AP.fm, CDFA | Divorce the Smartway General information only, not legal or financial advice. A regular refinance usually stops at 80% of your home’s value. That can leave you short when you’re buying out your spouse. Some insured spousal buyout programs let you borrow up to 95%. This guide works through an example with real numbers. It covers the mortgage insurance premium and the Ontario sales tax on it, the stress test you still have to pass, and the paperwork lenders want before you apply. Want to see how much you’d need to borrow? Try the free Matrimonial Home Buyout Calculator: https://divorcethesmartway.ca/tools/matrimonial-home-buyout/ Ken S. Maynard, AP.fm, CDFA | Divorce the Smartway General information only, not legal or financial advice. Mon, 02 Nov 2026 00:00:00 -0500 https://speakerdeck.com/dtswcan/spousal-buyout-mortgage-programs-can-you-borrow-more-than-80 https://speakerdeck.com/dtswcan/spousal-buyout-mortgage-programs-can-you-borrow-more-than-80 Keeping the house after separation? In Ontario, a transfer of the home between spouses is often exempt from land transfer tax, but only if it’s set up the right way. This guide explains the three ways to qualify, the costs you’ll still pay to transfer title and refinance, and how to keep a mortgage penalty from eating into your buyout. It uses a worked example with real numbers. Want to see what your own buyout would cost? Try the free Matrimonial Home Buyout Calculator: https://divorcethesmartway.ca/tools/matrimonial-home-buyout/ Ken S. Maynard, AP.fm, CDFA | Divorce the Smartway General information only, not legal or tax advice. Keeping the house after separation? In Ontario, a transfer of the home between spouses is often exempt from land transfer tax, but only if it’s set up the right way. This guide explains the three ways to qualify, the costs you’ll still pay to transfer title and refinance, and how to keep a mortgage penalty from eating into your buyout. It uses a worked example with real numbers. Want to see what your own buyout would cost? Try the free Matrimonial Home Buyout Calculator: https://divorcethesmartway.ca/tools/matrimonial-home-buyout/ Ken S. Maynard, AP.fm, CDFA | Divorce the Smartway General information only, not legal or tax advice. Mon, 02 Nov 2026 00:00:00 -0500 https://speakerdeck.com/dtswcan/land-transfer-tax-and-legal-fees-on-a-spousal-buyout-in-ontario https://speakerdeck.com/dtswcan/land-transfer-tax-and-legal-fees-on-a-spousal-buyout-in-ontario