| Mortgage Review If you haven’t had a mortgage review completed in a while, the start of a new year is a great time to do this! Depending on when you got your mortgage, by taking a look at your existing mortgage and comparing it to products available on the market today, you might be able to save a lot of money by restructuring. Even what seems like an insignificant saving can have a considerable impact when rolled out over several years. The truth is, you’ll never know unless you take a look. So even if you’re just a little bit curious, feel free to get in touch, and I’d be more than happy to sit down with you and discuss your mortgage options. Early Pre-Payments Consider aggressively paying down your mortgage using pre-payment privileges. Although you’ve probably heard this before, maybe now is the time you decide to take action. Most mortgages allow you to pay down 10-20% of the original principal mortgage amount as a lump sum and/or increase your payments by 10-20%. Did you get a raise at the end of 2018? Now might be a good time to increase your mortgage payments to match. Any money that you put on your mortgage as a pre-payment goes entirely towards the principal balance and is not a pre-payment of interest. My goal is not only to help you get the best mortgage available, but also to help you get rid of that mortgage as quickly as possible.  
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