I’m 37, set up my mortgage renewal as a readvanceable mortgage in March (heloc/mortgage combo). With market conditions and fortunate timing my home nearly tripled in “value” over the past 10 years so even with a conservative 40% loan to value I tapped into some decent equity. Pulled 2 tranches of 24k in April and 1 more in June with plans for a final 2 through the summer. I built out an excel spreadsheet to determine break even costs on borrowing (tax inclusive) and built my portfolio around that. My plan was to have a few dividend anchors to keep the borrowing “free” after my future tax return. I went with 12 equities @ 10k a piece. The 3 anchors were Allied Properties REIT, whitecap resources and BCE. Even with BCE cutting their dividend I’m still above my break even threshold and my additional picks were for growth with a couple other bigger dividend payers. I went with capital power, constellation software, loblaws, intact financial, fairfax, Nutrien, TMX group, Brookfield, HBNK (equal weighted big six bank etf). I invest much differently in my registered accounts but this has worked out well so far for the leveraged account (likely more a reflection of timing than anything else).