Leveraged investing, with the receipts.
Borrow at one rate, invest at a better one. We keep the records.
Powered by 13+ years of daily Canadian and U.S. market history, 257 stocks, and actual Bank of Canada Prime rates.
What $100k borrowed and invested in 2012 is worth today.
“I’m just scared if the markets turned I wouldn’t be okay.”
The math is not the problem.
You already know the strategy works on paper.
What stops you is not knowing how it feels to hold a six-figure loan while your portfolio drops 30%, or knowing whether you could reconstruct 3 years of transactions for a CRA auditor.
The simulator handles the first fear. The tracker handles the second.
Three stages. Each one earns the next.
Simulate
Rehearse your exact strategy against historical market crashes. See if you can stomach the drawdowns.
Track
Track a real portfolio for tax season, or practice with a simulated one first. Either way, we keep the records.
Who this is (and isn’t) for.
Not for active traders.
If you intend to constantly rebalance your portfolio, day-trade, or pull cash out for personal use, this isn't your tool. Constant churning makes the CRA tracing rules nearly impossible to track cleanly.
Not a mindset.
We do not promise outcomes. Leveraged investing is a mechanical, decades-long strategy. We provide the calculator and the ledger; you provide the discipline.
For buy-and-hold Canadians.
One leverage source. One dedicated investment account. Set it, let it run, let us do the paperwork.
Honest questions.
Is this investment advice?
No. North Kove is a calculator and a ledger. We show you historical data and track your active records. For advice, hire a fee-only planner.
What happens if the market crashes?
Your loan stays the same; your portfolio drops. The simulator lets you watch this happen in 2008 and 2020. If you cannot stomach that visual, this strategy is not for you.
Can I do this in my TFSA or RRSP?
No. The interest deduction under ITA 20(1)(c) only works in a non-registered (taxable) account. Registered accounts already give you a tax break — you can't stack a second one on top.
Will the CRA accept the records?
We follow the tracing rules the CRA expects. An accountant should still verify your year-end summary before you file. We keep the paper trail; your accountant signs off.
Built by someone doing it.
I’m Zak Lang. My wife and I just bought a home in Burnaby and I have a PLOC ready to invest, with a HELOC to follow.
I couldn’t find a tool that let me rehearse this strategy against real history, then keep records the CRA would accept. So I built one. I use it myself.
This is for the Canadians sitting on usable home equity or margin who could be building wealth on it — and want to do it with eyes open. If that’s you, I built North Kove for you too.
You’ve read the page. Now run the numbers.
Pick a stock. Pick a year. See for yourself. No paywalls, no advice — just the math.