Mortgage Smarter. Build Wealth Faster.
Most Canadians spend 25 years paying off a mortgage — then start investing. We show high-income homeowners how to do both at the same time, using strategies that eliminate bad debt, grow a portfolio, and put more money back in your pocket every tax season.
* Based on a $560K mortgage, 25-yr amortization, 4.5% rate, 40.7% marginal tax bracket, and an estimated 8% avg. annual investment return. Results will vary.
See how the Smith Manoeuvre worksThere's debt that drains you — and debt that builds wealth. The problem is that most Canadians were never taught the difference.
The old-school "pay off your mortgage, then invest" mentality delays wealth-building by decades and leaves massive tax advantages on the table. Despite earning well, too many high-income professionals are stuck in a cycle of mortgage payments, rising living costs, and missed investment opportunities.
We flip the script. We help you use the mortgage you already have as a strategic wealth-building tool — reducing bad debt, generating tax refunds, and growing an investment portfolio simultaneously.
Meet the Team"You don't need to earn more to build wealth — you just need to think differently about the money you already have."
— Christina Pentlichuk, In Debt On Purpose
We're not just rate shoppers. From your first home to sophisticated debt-recycling strategies, we match your mortgage to your financial goals.
Navigate your first purchase with confidence — from pre-approval to closing, we simplify every step.
Learn moreYour renewal is an opportunity — not just a formality. We restructure mortgages to free up wealth-building capacity.
Learn moreNon-traditional income shouldn't mean a non-traditional rejection. We understand the self-employed borrower.
Learn moreBuild your real estate portfolio with financing structures designed for investors — not just homeowners.
Learn moreConvert non-deductible mortgage interest into tax-deductible investment debt — building a portfolio and paying off your mortgage faster, simultaneously.
Discover the strategyRedirect your cash flow to convert personal debt into tax-deductible business debt — an advanced strategy for property investors and business owners.
Discover the strategyMost mortgage brokers help you find the best rate and send you on your way. We go further. We become your long-term financial strategist, building a plan that aligns your mortgage with your investment goals, tax situation, and retirement timeline.
Our StoryBoth Christina and Stef are certified Smith Manoeuvre professionals — one of only a select group in Canada trained and certified in this powerful strategy.
We work specifically with Canadians in higher tax brackets — professionals, business owners, and investors who want their money working harder.
We break down complex strategies into clear, actionable plans. We collaborate with your financial advisor, accountant, and realtor as a team.
From Toronto to Vancouver, we serve clients across seven cities through Vine Group, one of Canada's leading independent mortgage brokerages.
"I've been working with Christina Pentlichuk on my cash damming strategy and she's been fantastic. She's been able to help me through a variety of changes that have happened to the portfolio and been patient with all my questions. If you're looking at utilizing the cash damming strategy, get in touch with her."
"Being a real estate agent I've worked with a lot of mortgage brokers over the years. Christina and the team at Vine Group surpassed my expectations. They walked us through how to make our home pay us! We now own our first rental property! If you want to do more than just pay a mortgage, they are the ones to talk to."
"I had no idea my mortgage could be working this hard. Christina walked us through the Smith Manoeuvre step by step — now I'm building an investment portfolio at the same time I'm paying down my house. Complete game changer."
Strategies, tax tips, and real talk about using debt to build lasting wealth.
Book a complimentary consultation with our team. We'll review your situation and show you exactly what's possible.