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1. Financing Your Mortgage and Personal Debt to Pay It Down Faster - Series 1
2. Financing Your Mortgage and Personal Debt to Pay it Down Faster - Series 2  
3. Uncovered Lies!! Your mortgage company is only telling you half of the truth

4. Be Smart With Your Money - Pay Off Your Mortgage Faster 
5. How to get a second property

1. Financing Your Mortgage and Personal Debt to Pay It Down Faster - Series 1
The single largest purchase a Canadian will ever make during their lifetime is buying a mortgage for their home. Considering that fact, is there a way you can finance your homeowner's loan, include all your debts and decrease your payments, while paying your bank debt off in up to half the time? There is a way to do this and it is available, in Canada and in the US, but first we have to face the real problem.

Truth is that when you borrow for this liability on your home, whether you are a new homeowner or have had your home for a few years, you are borrowing the interest as well as the principle and are obligated to pay the full amount. Going the traditional route, you are always paying the borrowing rate on the original amount of the bottom line you borrowed, regardless of how little you may now owe to the bank. This makes your mortgage just an installment loan, the same as a car or personal loan and it is front-end loaded by the bank so you can overpay by at least $200,000 during your lifetime.

Then there is the compound interest trap! Here's how the numbers add up. Regardless of your lending rate, you will pay for approximately 14 years before your payments will ever reach the 50% to principle and 50% to interest level. Example: a $250,000 mortgage with  an average 6% rate amortized over 25 years,  with  total repayable principal and interest of $479,856.

Here is how the numbers stack up:

Your monthly payments will be approximately $1600.00 on your first payment  The bank will get $1,258.39 of that payment in Interest charges and you will pay only $341.13 off your principle owed. 

On your 164th payment,  ( 4 months shy of your 14th year ), you will be paying $799.95 toward your principal and $799.57 in interest to the bank. Also by this time, you will have paid a whopping $170,445.00  in interest charges to the bank. 

With interest and principle combined, you have paid $321,732.00 and you still owe $158,124.00 ... and still have 11.3 years to pay!

After years of indebtedness, you have been helping the moneylenders, namely the banks; get richer at your expense! Since time is more your enemy than the interest rate is, Canadians are scrimping and scratching and trying to double up or increase their monthly obligations. They make lump-sum payments periodically against their outstanding burdens or bi-weekly payments, all in the hope of bringing their balance down faster. Unfortunately, all these traditional methods lead to the same outcome - an increase in your out-of-pocket expenditures. If you do the math, can you quickly see how you cannot afford to pay more each month?

I know of a program that homeowners can access that will help them become mortgage and debt free in the shortest possible time, using less money to accomplish more results and saving  thousands of dollars in your mortgage payments; thereby adding years to your savings with no increase to your present total debt payments. Interested? Part two is coming.
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2. Financing Your Mortgage and Personal Debt to Pay It Down Faster - Series 2
Welcome to part two! Financial Equalization is the time tested and Federally copyrighted financial program since 1987,  that has been gaining a lot of interest as Canada's alternative financial plan for the 21st century. How it works is rather unique and it's being hailed the Mortgage Killer for good reason, because your mortgage joins forces with your personal debt.

This program tackles your mortgage balance in three ways, simultaneously. The specialized techniques use the weak links in the amortization to turn them to your advantage by using regular mortgage payments, as well as enhanced principle payments to turn the interest into the principle. In other words, by turning your obligated payable interest into your principal, you are reducing the interest costs and the time you are required to pay off your mortgage in full. It can be utilized to help you take years of payments off your homeowners' debt and save thousands in future payments, as well as interest charges. This is money that you are legally obligated to pay your current lender be it bank or financial institution. Two main problems burden most homeowners in that they have too much debt and too many monthly payments, but through this program, you can have a lump sum cash for home improvements, education for your kids, the purchase of a new home or a much needed vacation!

It can also provide an increase in your current cash flow by $200 to $500 a month  immediately upon program implementation. Would you like to have some additional spending money for the first year, on top of the the current cash boost you will receive? With this increase in your resources, you can realize financial independence for your retirement. This is possible with this program with no increase in your current debt payment amounts.

If this is beginning to sound too good to be true to you, maybe it's because you do not realize that this types of program, although not highly advertised, is available to you.

The only way to be in this program is by qualifying for it. All it takes is filling out a questionnaire, no cash or deposit is required. Upon approval, you receive an in-depth summary of what this program can do for your personal situation. The whole process is supervised by highly qualified professionals who specialize in this field. Professionals like Financial Equalization consultants who take care of all the details for you, programmers, licensed mortgage brokers, Canadian banks,  Trust companies, and Credit Unions and real estate lawyers. This company has been operating in Canada since 1987 and deals only with professionals in the financial field.

You will never have to worry about losing your home if you implement this program. If you qualify, your case is then handled by a licensed mortgage broker and your money will come from a major bank, to be closed by a real estate lawyer in accordance with all federal and provincial laws in Canada. The banks cannot do this for you because this program is not a loan. It is a financial plan where the installment loan on your home has been provided by the bank. The Financial Equalization plan takes the banks' loan and makes it better by implementing their unique debt elimination techniques within their program, thereby bringing the enormous mortgage interest charges down and turning the tide in your favour. As you are currently having to pay all your current debts plus your mortgage payment, trouble arises when you have too many payments every month, with the end result being greater payment ineffectiveness.

 The program  works to its full effect by providing increases in spendable cash flow while decreasing your mortgage balance quickly; also reducing the years you have left to pay on your homeowners' loan. With balance and payments decreasing and declining over the next few years, it helps to create a buffer against interest rates should they rise giving you more control over your finances. When you need money for emergencies or require more cash by the end of the month, you will have it.

There is only one catch to this program. That catch is YOU! Fill out the confidential questionnaire; get qualified and approved, follow the plan. It works because it takes the interest you are legally already obligated to pay your lender and turns these payments against your outstanding principle balance. It's safe, easy, it works and this program is copyrighted! Meaning, this company is the only legal source for this extraordinary financial plan in Canada.
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3. Uncovered Lies!! Your mortgage company is only telling you half of the truth.
For example: Loan amount of $400,000.00 amortized over thirty years at 6% interest rate. The interest rate of 6% is only true if you pay off the loan in the first year, or you take the mortgage for the entire thirty years and the interest rate never changes and no additional money is added to the mortgage.

But remember you are paying over 30 years. The amortization schedule allows the mortgage companies to front load the interest so they can earn approx 80% interest every month on your mortgage payment in the first 5 years. The mortgage company want you to think they are charging you just a little interest !

Compare Mortgage payment Ratios over a five year period:
For example: Loan amount $400,000.00 term 30 years interest rate 6% monthly payment $2379.29.

. Total principle paid over a 5 year period divided by total payments paid. This amount went to pay down your loan

Total principle paid / Total payment x 100 = Percent,
$28551 / 142755 x 100 = (20%).

Total interest paid over a 5 year period divided by total payments made over the 5 year period your lender’s profit.

Total interest paid / total payments x 100 = Percent.
114204 / 142755 x 100 = (80.0 %)
Your lender’s profit 80% of your mortgage payment every single month

Mortgage Interest Calculations
Mortgage Amount $400,000.00
Interest Rate 6.00%
Term 360 Months Monthly payment $2,379.29

You are going to pay $856,544.00 for a $400,000.00 house.
You will have to earn $1,427,574.00 Gross Income if you are in a 40% tax bracket
You will have to earn almost one and a half million dollars in gross income to payoff a $400,000 house !

The Cost of Borrowing Money.
Payment ratios are more important than the interest rate. Payment ratios defines how much of your mortgage payment is going to interest to pay the lender, and how much of your mortgage payment is going to principle to pay down your loan balance.

The banks have over played the "fixed" interest rates. Remember, they are constantly changing  and every time the interest rate is different at your renewal time it will affect your payment for the next term; higher rates - you will pay more...
The banks just wants you think you are paying a little interest. They don’t want you to know the payment ratios, and more importantly the REAL COST OF BORROWING THEIR MONEY.