I’m Rima Zino, founder of Rima Zino Mortgages Inc. and a mortgage strategist serving homeowners, landlords, and investors across Greater Vancouver and the Fraser Valley. 30 years of commercial negotiation and sourcing experience, with proven track record and determination to tailor a financial solution even for the most complicated scenarios. My passion is helping clients unlock financial freedom without increasing their monthly expenses.

What I Do

At Rima Zino Mortgages Inc., I specialize in:

  • Advanced refinancing strategies – Unlock home equity to pay off debt faster and create opportunities for investment.

  • Debt consolidation – Simplify multiple payments into one manageable mortgage solution, improving monthly cash flow.

  • Cash Damming strategies – Convert non-deductible mortgage interest into tax-deductible investment expenses, creating annual tax refunds while accelerating debt repayment.

  • Smith Manoeuvre implementation – Restructure mortgages so clients can pay off principal residences faster while building long-term wealth.

  • Investor and landlord solutions – Restructure negatively cash-flowing portfolios into profitable, tax-smart setups.

Whether you’re a first-time buyer, a growing family, a self-employed entrepreneur, or a seasoned real estate investor, I design mortgage strategies that fit your goals — not the bank’s bottom line.

My Approach

Most people think of mortgages as a one-dimensional decision: rate. But I believe the true power lies in structure. A well-designed mortgage can:

✅ Put thousands of dollars back in your pocket every year through tax refunds.
✅ Free up monthly cash flow to reduce financial stress.
✅ Pay down debt years sooner.
✅ Build long-term retirement wealth.

I don’t just find you a mortgage — I create a plan that allows you to live better today while building wealth for tomorrow.

My Mission

My mission is simple:
➡️ Help families and investors in BC take control of their mortgages
➡️ Show them how to reduce taxes, eliminate debt faster, and improve cash flow
➡️ Empower them to retire earlier and live with more financial freedom

I also partner with realtors, accountants, and financial advisors, adding value to their client relationships by bringing tax-smart mortgage planning strategies that go far beyond rate-shopping.

Outside of Work

Besides enjoying my precious granddaughter Lilah, I’m passionate about education and community. I regularly create content, host workshops, and collaborate with industry professionals to share strategies that most Canadians have never been taught.

I believe that financial literacy changes lives — and my goal is to empower as many homeowners and investors as possible to break free from debt and create lasting wealth.

📞 Phone: 604-725-4960
📧 Email: rz@rimazino.com
🌐 Website: rimazino.com
🔗 LinkedIn: Connect with me

Instagram @rima_zino_mortgages