
As a mortgage broker, I've witnessed firsthand the challenges Canadian homeowners face. Rising costs, economic uncertainty, and the pressure of balancing mortgage payments with retirement planning leave many feeling like they're running in place financially.
What's become increasingly clear is that traditional financial advice often falls short. Most Canadians are told to pay down their mortgage first, then start investing—a sequential approach that costs them decades of potential growth and tax advantages.
That's why I became a Smith Manoeuvre Certified Professional™.
This strategy offers a powerful alternative that allows homeowners to convert their mortgage into a wealth-building tool without finding extra room in their monthly budget.
What drives me is helping clients achieve financial outcomes they once thought impossible. By transforming how your largest expense works for you, we can create a path to both mortgage freedom and investment growth simultaneously.
Let's explore how this approach might work for your specific situation.
-Tera

Tera Sjoberg, 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.

I value finding Mortgage solutions for those who look forward to financial independence.
By allowing me to understand your needs, to reach your personal goals, allows me to ultimately save you time and money. Time and money that can be available for other priorities.
Educating myself and those who feel, the need to ask the questions.
I work for you, not for a single financial institution, I have access to multiple sources of financing/product services.
Options include:
Multiply lenders for all sources of properties and situations, even insurance on your new property.
By taking action, using my systems, set yourself up to streamline the process.
I am looking forward to many years of being able to share the journey of your success with you.
To your success “Slainte”!
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