Your path to financial freedom starts today.
As a Canadian mortgage strategist who works closely with homeowners in high income tax brackets, I’ve seen the financial squeeze firsthand. So many clients are juggling demanding careers, raising families, and trying to make smart decisions about their future—yet despite their income, they’re stuck in a cycle of mortgage payments, rising living costs, and missed investment opportunities.
The problem? Traditional advice hasn’t kept up. The old-school “pay off your mortgage, then invest” mentality delays wealth-building by decades and leaves massive tax advantages on the table.
That’s why I became a Smith Manoeuvre Certified Professional™.
This strategy flips the script—allowing homeowners to transform their mortgage into a wealth-building machine without increasing their monthly expenses. It’s a way to reduce bad debt, boost tax refunds, and build an investment portfolio... all at the same time.
I’m passionate about helping Canadians make smarter use of their income. Life is busy, and we don't always have the time to explore alternative strategies—ones that can actually move the needle on our financial future. So, let’s explore what this could look like for your situation.
You don’t need to earn more to build wealth—you just need to think differently about the money you already have.
-Christina
Christina Pentlichuk, Mortgage Agent
Smith Manoeuvre Certified Professional™
The Smith Manoeuvre™
It's time to master your mortgage
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Ready to see how The Smith Manoeuvre™ could transform your financial future?
Get immediate access to our free mini-course below!
In under 30 minutes, you'll discover a proven strategy that has helped thousands of Canadians become mortgage-free sooner while building significant investment wealth.
Come learn more at our next live webinar.
Has your interest been piqued? Come join us for our next completely free monthly webinar.
Held on the fourth Monday of each month, this session offers all Canadians the opportunity to learn The Smith Manoeuvre™ basics directly from a member of our leadership team.
No pressure, just practical information to help you decide if this strategy is right for you.
Take the first steps today
Your Smith Manoeuvre Certified Professional™
Christina Pentlichuk
Helping Canadians Build Wealth by Being “In Debt On Purpose”
Christina Pentlichuk is a Canadian mortgage strategist, real estate investor, and senior mortgage agent with Vine Group, one of the country’s leading mortgage brokerages.
She is the creator of the In Debt On Purpose™ strategy—an approach that challenges conventional thinking about debt and empowers homeowners to turn their mortgages into tools for long-term wealth creation. Christina specializes in advanced planning strategies like the Smith Manoeuvre, Rental Cash Damming, and tax-efficient debt restructuring, helping clients pay off bad debt faster while building investment portfolios using money they’re already spending.
With nearly two decades of industry experience, Christina works closely with high-income professionals who are time-strapped but financially driven. Her clients aren’t just looking for the lowest rate—they’re looking for a smarter strategy to accelerate their financial growth without sacrificing lifestyle or cash flow.
As a speaker and educator, Christina is known for breaking down complex financial concepts into clear, actionable insights. She regularly collaborates with realtors, financial advisors, and business owners to deliver workshops and consultations that go far beyond traditional mortgage advice.
Her mission? To help Canadians stop fearing debt—and start using it strategically. That’s the power of being In Debt On Purpose™.
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