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The Team Behind
In Debt On Purpose

Smith Manoeuvre Certified Professionals dedicated to helping Canadians build lasting wealth — not just homeownership.

Our Mission

Helping Canadians Build Wealth by Being "In Debt On Purpose"

Your path to financial freedom starts today.

As Canadian mortgage strategists working closely with homeowners in high income tax brackets, we'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 we became Smith Manoeuvre Certified Professionals™. 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.

Our Belief

"You don't need to earn more to build wealth — you just need to think differently about the money you already have."

Vine Group
Mortgage Brokerage & Vine Wealth

In Debt On Purpose operates under Vine Group — one of Canada's most respected independent mortgage brokerages. With offices across seven cities, Vine Group gives us the reach, lender relationships, and resources to serve clients from coast to coast.

Mortgage Agents, Level 2 Vine Wealth Consultants Commercial Lic. #13511
Certified
Smith Manoeuvre Certified Professionals™
18+ Years
Combined industry experience
Educator
Workshops, speaking & consultations
7 Cities
Serving clients across Canada
The Team

Meet the People Behind Your Strategy

Certified professionals who collaborate with your financial advisor, accountant, and realtor to build a plan that works.

Christina Pentlichuk — In Debt On Purpose
Smith Manoeuvre Certified™
Book with Christina
Lead Strategist

Christina Pentlichuk

Mortgage Agent, Level 2  |  Smith Manoeuvre Certified Professional  |  Vine Group

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.

Smith Manoeuvre Certified™ Real Estate Investor Speaker & Educator 18+ Years Experience
Stef Edwards — Mortgage Agent, Smith Manoeuvre Certified Professional
Smith Manoeuvre Certified™
Stef Edwards
Mortgage Agent, Level 2
Smith Manoeuvre Certified Professional™
indebtonpurpose@vinegroup.ca
Denise Benninger — Mortgage Broker, Director of Commercial Lending
Commercial Lending
Denise Benninger
Mortgage Broker
Director, Commercial Lending
denise.benninger@vinegroup.ca
JC
Credit Analysis
Julie Chuckman
Credit Analyst
Vine Group
julie@vinegroup.ca
Our Mission

To Help Canadians Stop Fearing Debt — and Start Using It Strategically.

That's the power of being In Debt On Purpose. 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.

We are passionate about helping Canadians make smarter use of their income. Whether that's through a first mortgage, a renewal, a Smith Manoeuvre, or a cash-damming structure for your rental portfolio — we meet you where you are and build a plan for where you want to go.

Start Your Strategy Session

Collaborative by Design

We work alongside your financial advisor, accountant, and realtor — not in silos. A coordinated team means a better outcome for you.

Strategy Over Rate

The lowest rate is a starting point. The real win comes from structuring your mortgage in a way that accelerates wealth — not just pays off debt.

Education First

We don't just recommend strategies — we explain them until you fully understand them. An informed client makes powerful financial decisions.

Long-Term Partnership

We're not transactional. We build long-term relationships, reviewing and adapting your strategy as your life and financial situation evolves.

Ready to Think Differently About Debt?

Book a complimentary strategy session. We'll show you exactly what's possible for your situation.

Book a Free Consultation Explore the Smith Manoeuvre