
Most Canadians pay off their mortgage first and invest later. It feels responsible, and it costs them decades.
The Smith Manoeuvre™ lets you do both at once — converting your mortgage into tax-deductible investment debt, month by month, using the payments you're already making.
Done right, you build a portfolio while your mortgage shrinks, and generate tax refunds that speed up both. Done wrong, you create a CRA problem.
The difference is structure and discipline, and that's the part I handle. Let's find out whether it fits.
-Stephen

Stephen Green, Mortgage Broker
Smith Manoeuvre Certified Professional™
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.

Stephen Green is a prominent Mortgage Broker and the visionary leader behind The Financial Collective, formally Stephen Green Mortgages.
With over 25 years of industry experience, Stephen has secured a reputation and brand for excellence, having funded over $850 million in mortgages over a decade. His approach, centered on transparency, honesty, and effective communication, reflects his commitment to client satisfaction and industry leadership. He is an industry leader on technology processes, automation, and delivering an exceptional client experience based on advice.
His team features one full-time assistant, three in-house real estate firm offices he has relationships with as their preferred mortgage provider, and an expanding team of agents as part of The Financial Collective.
He is currently in the top 5% nationally for his Mortgage Brokerage Network. He is asked to speak at functions, conferences, and meeting often. He speaks on the topics of economic updates, brand development, and building accountability & goals.
Stephen is the host of The Green Effect Podcast, a highly rated podcast that unpacks topics about Finance, Life, and Business. The podcast is currently in its sixth season and is released bi-weekly. Additionally, he is a regular guest on other podcasts offering insights on the current real estate market and technology-based mortgage systems.
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