Legal
Important information about the content and strategies presented on this website.
Last Updated: March 2026
The content, articles, strategy descriptions, and resources on this website are intended to provide general information about mortgage products and wealth-building strategies available to Canadians. This information is educational in nature and does not take into account your individual financial situation, objectives, risk tolerance, or needs.
Nothing on this website should be interpreted as a recommendation to enter into any specific mortgage, investment, or financial arrangement. Always seek independent professional advice tailored to your personal circumstances before acting on any information found here.
Strategies such as the Smith Manoeuvre and Cash Damming involve complex interactions between mortgage structures, investment decisions, and Canadian tax law. While we provide general education about how these strategies work, the application of these strategies to your specific situation requires the involvement of qualified professionals, including a Certified Professional Accountant (CPA) and/or a licensed financial advisor.
We strongly recommend consulting with your own independent tax and financial advisors before implementing any strategy discussed on this site.
Christina Pentlichuk and Stef Edwards are licensed mortgage agents operating under Vine Group Mortgage Brokerage (Lic. #13511), regulated under the Mortgage Brokerages, Lenders and Administrators Act, 2006 (Ontario) and applicable provincial mortgage legislation. Mortgage services are subject to lender approval, qualification requirements, and applicable regulations. Not all clients will qualify for all products or strategies described on this website.
Vine Wealth consulting services are separate and distinct from mortgage brokerage services. Vine Wealth provides strategic advisory and implementation support for wealth-building strategies. Consulting fees are charged for advisory services and are not contingent on mortgage placement, lender selection, or whether a mortgage transaction occurs. Mortgage brokering, if required as part of a strategy, is a separate and distinct service.
Any financial projections, illustrations, comparisons, or strategy outcomes referenced on this website are for illustrative purposes only. They are based on specific stated assumptions — including mortgage amount, amortization period, interest rate, marginal tax bracket, and estimated investment return — and are not guarantees of any particular result.
Actual results will vary significantly depending on individual circumstances, market conditions, interest rate fluctuations, tax rule changes, investment performance, and other factors outside our control. Past results and hypothetical examples do not guarantee future outcomes.
The projections shown on this site should not be used as the sole basis for any financial decision.
References to tax deductions, tax savings, or interest deductibility on this website are based on general principles of the Canadian Income Tax Act as understood at the time of publication. Tax laws are subject to change, and the deductibility of interest in any particular circumstance depends on how a strategy is structured and maintained. We strongly recommend obtaining written confirmation from a qualified CPA regarding the tax treatment of any strategy before implementation.
In Debt On Purpose, Vine Wealth, and Vine Group Mortgage Brokerage are not responsible for any tax consequences arising from strategies implemented by clients.
Strategies discussed on this website, including the Smith Manoeuvre, involve borrowing to invest. All investments carry risk, including the possible loss of principal. The value of investments can go down as well as up. Borrowed money used for investment purposes does not reduce the amount owed — your mortgage or HELOC balance remains regardless of investment performance. These strategies are generally considered appropriate only for long-term investors who understand and can tolerate market volatility.
This website may reference or link to third-party resources, tools, or websites. We do not endorse or take responsibility for the accuracy, content, or practices of any third-party sites. Links to external sites are provided solely for convenience.
We make reasonable efforts to keep the information on this website accurate and current. However, mortgage regulations, tax laws, lender guidelines, and financial market conditions change frequently. We make no warranty — express or implied — that the information on this website is complete, accurate, or up to date at any given time. We reserve the right to update, modify, or remove content without notice.
If you have questions about the information on this website or would like to discuss your specific situation with our team, we'd be happy to help.
In Debt On Purpose | Vine Group Mortgage Brokerage
555 Bloor St. E., Toronto, ON M4W 1J1