{"id":1202,"date":"2012-04-07T09:38:16","date_gmt":"2012-04-07T13:38:16","guid":{"rendered":"http:\/\/canadianbudgetbinder.com\/?p=1202"},"modified":"2025-02-25T09:34:34","modified_gmt":"2025-02-25T09:34:34","slug":"how-to-maximize-your-mortgage","status":"publish","type":"post","link":"https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/2012\/04\/07\/how-to-maximize-your-mortgage\/","title":{"rendered":"How To Maximize Your Mortgage In Canada"},"content":{"rendered":"\n<p class=\"yoast-reading-time__wrapper\"><span class=\"yoast-reading-time__icon\"><\/span><span class=\"yoast-reading-time__descriptive-text\">Estimated reading time:  <\/span><span class=\"yoast-reading-time__reading-time\">5<\/span><span class=\"yoast-reading-time__time-unit\"> minutes<\/span><\/p>\n\n\n\n<p>Would you like to <strong>maximize your mortgage to pay it off faster?<\/strong> Um, yes!<\/p>\n\n\n\n<p>Anyone with a mortgage should be thinking outside the box when it comes to mortgage debt. <\/p>\n\n\n\n<p>Some people aren&#8217;t as financially involved with their mortgage as they should be. <\/p>\n\n\n\n<p>Many people move into their first home and are so busy fixing it up that they quickly forget about their <a href=\"https:\/\/canadianbudgetbinder.com\/2012\/03\/15\/canada-mortgage-save-down-payment\/\"><strong>mortgage<\/strong><\/a>.<\/p>\n\n\n\n<p>Although it&#8217;s nice to have a renovated home with the latest decor, if you want to maximize your mortgage to pay it off fast, there are things you may have to do without. <\/p>\n\n\n\n<p>Let me show you how some homeowners are losing money by ignoring their mortgages and spending money on things that can wait. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-take-advantage-of-shaving-years-off-your-mortgage\">Take Advantage of Shaving Years Off Your Mortgage<\/h2>\n\n\n\n<p>If it isn&#8217;t broke, don&#8217;t fix it is the motto many mortgage-free homeowners would tell you. <\/p>\n\n\n\n<p>That&#8217;s because these homeowners either invested extra money or put it towards their mortgage. <\/p>\n\n\n\n<p>Many banks don\u2019t explain much about \u201c<strong>best practices<\/strong>\u201d with mortgage repayment.<\/p>\n\n\n\n<p>One of the simplest is paying your mortgage weekly or biweekly to speed up repayment.<\/p>\n\n\n\n<p>However, beware that some banks offer <strong>non-accelerated weekly or biweekly<\/strong>, which do nothing to pay back your mortgage faster.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-mortgage-repayment-set-up-example\">Mortgage Repayment Set-Up Example<\/h2>\n\n\n\n<p><strong> Follow this simple system when setting up your payments:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If you are paid every two weeks, pay your mortgage biweekly acceleratedly.<\/li>\n\n\n\n<li>&nbsp;If you are paid any other way, pay your mortgage weekly accelerated.<\/li>\n<\/ul>\n\n\n\n<p>The reasoning is simple: say your mortgage is <strong>$1000<\/strong> per month, paying biweekly accelerated puts more onto your mortgage in a year<strong> ($500 x 26 = $13,000 vs. $1000 x 12 = $12,000),<\/strong> same with weekly accelerated <strong>($250 x 52 = $13,000).<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-more-ways-to-pay-your-mortgage-faster\">More Ways To Pay Your Mortgage Faster <\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignright size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"683\" height=\"1024\" src=\"https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2012\/04\/HOW-TO-MAXIMIZE-YOUR-MORTGAGE-1-683x1024.webp\" alt=\"HOW TO MAXIMIZE YOUR MORTGAGE-so you can pay it off faster. \" class=\"wp-image-154849\" style=\"width:358px;height:auto\" srcset=\"https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2012\/04\/HOW-TO-MAXIMIZE-YOUR-MORTGAGE-1-683x1024.webp 683w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2012\/04\/HOW-TO-MAXIMIZE-YOUR-MORTGAGE-1-200x300.webp 200w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2012\/04\/HOW-TO-MAXIMIZE-YOUR-MORTGAGE-1-280x420.webp 280w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2012\/04\/HOW-TO-MAXIMIZE-YOUR-MORTGAGE-1-150x225.webp 150w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2012\/04\/HOW-TO-MAXIMIZE-YOUR-MORTGAGE-1-300x450.webp 300w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2012\/04\/HOW-TO-MAXIMIZE-YOUR-MORTGAGE-1-696x1044.webp 696w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2012\/04\/HOW-TO-MAXIMIZE-YOUR-MORTGAGE-1.webp 735w\" sizes=\"auto, (max-width: 683px) 100vw, 683px\" \/><\/figure>\n<\/div>\n\n\n<p>So, what else can you do to pay your mortgage down faster apart from your mortgage payment?<\/p>\n\n\n\n<p>Making <strong>extra \u201cprepayments\u201d <\/strong>will help, but you may be surprised how much impact they can have.<\/p>\n\n\n\n<p><strong>Related: <a href=\"http:\/\/canadianbudgetbinder.com\/2014\/05\/12\/mortgage-free-in-5-years\/\">How we paid our mortgage off in 5 years<\/a><\/strong><\/p>\n\n\n\n<p>First, check with your lender to confirm how prepayments are allowed.<\/p>\n\n\n\n<p>Some lenders only allow the prepayment on the mortgage anniversary date each year. <\/p>\n\n\n\n<p>However, other lenders will enable them to be taken at any time. <\/p>\n\n\n\n<p>Despite that, the borrower must not review the \u201c<strong>free<\/strong>\u201d prepayment allowable with their lender.<\/p>\n\n\n\n<p>Once again, check with your lender; most are <strong>10 \u2013 15%<\/strong> of your original mortgage balance, some more, some less.<\/p>\n\n\n\n<p><strong>Related:<\/strong> <a href=\"https:\/\/api.fintelconnect.com\/t\/l\/6638efc1770287001beab743\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Compare the BEST Mortgage Rates in Canada<\/strong><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-mortgage-loan-comparison\">Mortgage Loan Comparison<\/h2>\n\n\n\n<p>If your lender is easygoing, make a regular extra payment every month or quarter based on what your budget allows.&nbsp;<\/p>\n\n\n\n<p>However, if you have an extra $100 or more (the general minimum prepayment allowed), advise your lender and make this an additional payment.<\/p>\n\n\n\n<p>Use the <strong><a href=\"https:\/\/itools-ioutils.fcac-acfc.gc.ca\/MC-CH\/MC-CH-eng.aspx\" target=\"_blank\" rel=\"noreferrer noopener\">Mortgage of Canada Calculator<\/a><\/strong> to compare your numbers.<\/p>\n\n\n\n<p>It makes a difference; take a look at this comparison:<\/p>\n\n\n\n<p class=\"has-text-align-left\"> <strong>Mortgage Calculator <\/strong><\/p>\n\n\n\n<p>On this <strong>$300,000<\/strong> mortgage amortized over 30 years, simply paying your&nbsp;payment on biweekly accelerated drops it down to <strong>26.3 years, and<\/strong> paying an additional $100 per month (<strong>or $300 per quarter<\/strong>) drops it to <strong>23.5 years.&nbsp;<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Prepaying more will knock the mortgage down even faster.<\/li>\n<\/ul>\n\n\n\n<p><strong>So, what else can you do to get rid of your mortgage sooner?&nbsp;<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-stay-involved\">Stay Involved<\/h2>\n\n\n\n<p>Most lenders will not contact you when it makes sense to <strong>break the term of your mortgage<\/strong> and move into a lower rate.<\/p>\n\n\n\n<p>Just because you took out your mortgage a year or so ago didn\u2019t mean you have to stick with it regardless.<\/p>\n\n\n\n<p><strong>Related:<\/strong> How we paid off our mortgage in 5 years<\/p>\n\n\n\n<p>Depending on your lender, how they charge penalties, and the current mortgage rate environment, it may make sense to pay the fine (and even include it in the mortgage) and move to today\u2019s historically low rates.<\/p>\n\n\n\n<p>I\u2019m biased, but a good Mortgage Broker can efficiently run the numbers for you and let you know if it makes sense to take a break.<\/p>\n\n\n\n<p>With today\u2019s small fluctuations in fixed rates, you may be surprised how much the penalty can drop when rates go up, making it more economical to change.<\/p>\n\n\n\n<p>Once you decide, take advantage of the lower rate by keeping your payments at the same level (or higher if you can afford to) to maximize the rate savings.<\/p>\n\n\n\n<p>We would all agree that it is not about \u201cif\u201d mortgage rates will increase but \u201cwhen.\u201d<\/p>\n\n\n\n<p>With this in mind, we wanted to help our clients and others pay their mortgages down faster and came up with what we call \u201c<strong>Money in Your Mortgage\u201d<\/strong> or the \u201c<strong>Inflation Hedge Strategy<\/strong>.&#8221;<\/p>\n\n\n\n<p>It is a software program we have written built to make the most of our low-rate environment and ensure you don\u2019t suffer payment shock in the future.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-mortgage-optimization\">Mortgage Optimization<\/h2>\n\n\n\n<p><strong>What is payment shock?<\/strong><\/p>\n\n\n\n<p>It\u2019s what many of our American friends suffered when their teaser rate mortgages in the US came due, and their payments skyrocketed, causing many foreclosures we are all too used to seeing there.<\/p>\n\n\n\n<p>This program is pretty simple, but in a nutshell, whenever the rate at your lender goes up, we email you to remind you to increase your payment accordingly.<\/p>\n\n\n\n<p>By the end of your term, you are paying the same amount you would be, and you won\u2019t be shocked. <\/p>\n\n\n\n<p>You will have also made extra payments on your mortgage, thus paying it down faster and maximizing your low rate.<\/p>\n\n\n\n<p>We call this <strong>Mortgage Optimization<\/strong>.<\/p>\n\n\n\n<p>We feel strongly about this as Canadians need to do everything to help each other not suffer through the US.<\/p>\n\n\n\n<p class=\"has-text-align-left\"><strong>Discussion: What have you done to shave years off your mortgage?<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-related-posts\">Related Posts<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><a href=\"https:\/\/canadianbudgetbinder.com\/2018\/11\/01\/late-mortgage-payment\/\" target=\"_blank\" rel=\"noopener noreferrer\">What happens if I have a late mortgage payment?<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"https:\/\/canadianbudgetbinder.com\/2019\/01\/22\/happy-7th-anniversary-canadian-budget-binder-contest\/\" target=\"_blank\" rel=\"noopener noreferrer\">How to test Budget a Mortgage BEFORE buying a home<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"https:\/\/canadianbudgetbinder.com\/2017\/11\/18\/porting-mortgage-canada\/\" target=\"_blank\" rel=\"noopener noreferrer\">Everything you need to know about porting a mortgage in Canada<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"https:\/\/canadianbudgetbinder.com\/2012\/11\/22\/killing-your-mortgage-in-3-easy-steps\/\" target=\"_blank\" rel=\"noopener noreferrer\">Killing your mortgage in 3 easy steps<\/a><\/strong><\/li>\n<\/ul>\n\n\n\n<p><strong>Post Contribution<\/strong>: Michael Anthony Lloyd is a Mortgage Expert<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Would you like to maximize your mortgage to pay it off faster? Um, yes! Anyone with a mortgage should be thinking outside the box when it comes to mortgage debt. Some people aren&#8217;t as financially involved with their mortgage as they should be. Many people move into their first home and are so busy fixing [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":154844,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"disable-jtr":false,"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[628],"tags":[36,5,95,258,1102,31,1003,1103,261,1104,1105,1106,1107],"class_list":{"0":"post-1202","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-real-estate-and-mortgage","8":"tag-budget","9":"tag-canada","10":"tag-canadianbudgetbinder","11":"tag-downpayment","12":"tag-loan","13":"tag-money","14":"tag-mortgage-broker","15":"tag-mortgage-free","16":"tag-mortgage-loan","17":"tag-mortgage-optimization","18":"tag-mortgage-pre-payment","19":"tag-payment","20":"tag-prepayment"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How To Maximize Your Mortgage In Canada - 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