Your path to financial freedom starts today.

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.

-Karen

Karen Monteiro, Mortgage Broker
Smith Manoeuvre Certified Professional™

The Smith Manoeuvre™

It's time to master your mortgage

Start here

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.

Take the first steps today

Your Smith Manoeuvre Certified Professional™

Karen Monteiro

Karen Monteiro is an award-winning mortgage and real estate broker and the owner of Mortgage Alliance – Greater Golden Horseshoe in Ontario. With over 29 years of experience Karen has a reputation for clarity, integrity, and results. Karen helps clients navigate complex mortgage decisions with confidence whether they’re first-time buyers, move-up homeowners, or seasoned real estate investors.

Known for her “Golden Mortgage” approach, Karen blends expert strategy with exceptional service, ensuring every client experience is built on trust, education, and long-term financial success. She leads a growing team of mortgage professionals across multiple offices and is deeply involved in mentoring agents, maintaining strong compliance standards, and fostering meaningful lender and referral relationships.

Beyond business, Karen is passionate about giving back to the community, supporting local charities, and creating memorable client appreciation experiences. Her commitment to excellence, education, and service has made her a trusted name in the Greater Golden Horseshoe and beyond.