
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.
-Martin

Martin Vincelli-Simard, Mortgage Broker
Smith Manoeuvre Certified Professional™
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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.
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Passionate about finance and entrepreneurship, I earned a bachelor’s degree in Entrepreneurship from Sacramento State University in California while pursuing a career as a collegiate and professional baseball player. This experience taught me discipline, perseverance, and a strong work ethic — qualities I now apply to supporting my clients in achieving their financial goals.
After completing my studies, I worked in the field of personal and home equity loans, specializing in second-chance credit solutions. This experience allowed me to gain a concrete understanding of the diverse financial realities clients face and the importance of tailoring each solution to their unique situation.
My journey then naturally led me to the mortgage industry, where I became a certified mortgage broker. Wanting to offer even more value to my clients, I also obtained certification in The Smith Manoeuvre, an advanced financial strategy designed to transform a costly mortgage into a powerful investment tool.
Thanks to my diverse background — from high-level sports to finance — I provide my clients with a structured, strategic, and human approach that helps them pay off their mortgage faster while simultaneously building a strong and sustainable investment portfolio.
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