Now that you have a mortgage, how do you pay it off as quickly as possible?

My EquityAdvantage Mortgage Elimination Strategies were developed by leading financial planners to maximize your mortgage payments, reduce your interest costs, and increase your net worth. Your personal financial situation will be analyzed and a customized strategy will be developed specific to your situation. These Mortgage Elimination Strategies will provide you with the strategy that is best for you and a step by step implementation plan so that you can start with your first mortgage payment. Together we can determine which mortgage strategy works best and provide you with guidelines on how to build your net worth and pay down your mortgage, maximizing every payment on your mortgage.

Financial Advantage Programs in BC:
First Advantage | Equity Advantage | Rental Advantage | Equity Mortgage

Cash Flow Analysis

Are you starting to feel squeezed by mounting debt? My EquityAdvantage Cash Flow Analysis Program can show you the true cost of consumer debt and the crippling effect of not having enough to invest into RRSPs at the end of the day. One of the best ways to get ahead is to consolidate the loans at a much lower interest rate and eliminate higher interest rate debts. With the lowest mortgage interest rates in BC, now might be the time to consider not only consolidating but topping up your RRSP. If you are in a 30% tax bracket a $20,000 deposit into your RRSP can get you $6,000 refund which you could use to pay off consumer credit or other high interest rate obligations. There are financial planners I can refer you to that specialize in educating you on how to get the most out of your hard earned money instead of watching it disappear! Contact Mortgages BC today and I'll show how easy it is to get your financial situation back on track.

"Current Mortgage" APR is 5.933%.
"Mortgage BC" APR is 5.826%. Both examples calculated using semi-annually compounding interest rates with a 23 year Amortization. APR assumes no Insurance, Appraisal, or survey costs and will vary depending on your situation.

Purchase

Ready for a larger home? Or just need to move? With the EquityAdvantage Purchase program I can show you how to use the equity in your home to purchase your dream home. A customized report will show you how to maximize your equity and manage the cash flow and mortgage payments on your new home. With every new dream comes new opportunities to build your net worth, let me customize a solution for you and show you how a mortgage can work for you! Do you want to move and aren't sure when your home will sell, I'll show you how to buy your home first regardless of when the sale date is on your home (or even if it is still on the market).

Self-Employed

Has this ever happened to you? You go into the bank, get pre-approved, only to find out that at the end of the day you can't prove your income to the banks satisfaction. With our EquityAdvantage Self-Employed program we will help you navigate the maze of self-employed mortgage products available in BC and find the one that fits your situation, and is tailored to the documentation you can provide without asking for documentation you can't. With self-employed mortgages starting at the lowest discounted rates like the 5-year at 5.45 and the Variable at 4.15 , there has never been a better time for the self-employed to purchase a home, or increase your business' cash flow. If you would like more information give me a call at 1-866-710-8934 or contact us online and I would be happy to explain to you how we can obtain the best mortgage for those who are self-employed.

RSP Asset Builder

Many home owning investors have learned the time honoured method of increasing their net worth by not only using other people's money, but also getting a tax deduction on their mortgage by doing so! My EquityAdvantage Asset Builder Program educates you on how to make your home mortgage tax deductible and increase your net worth.

Here's how it works...

Let's assume you have a $100,000 mortgage on a BC property that is now valued at $300,000 - thanks to the average selling price in British Columbia increasing by 12.3% in 2007 alone [source: BCREA]. If you use the equity in your home and borrow an additional $100,000 to invest in an appropriate investment, half of the interest would be tax deductible. If you left the investment alone for 20 years compounding at 6%, you would have just over $320,000 and just over $91,000 in tax write offs. If you are thinking "My investments only make 6%, and my mortgage is around 6% that doesn't work!" Think Again; if you are in a 40% tax bracket and the interest is 6%, you write off 2.40% as tax deductions making your interest cost only 3.6%. Please note that while this is a great way to build a nest egg for retirement, or just increase your net worth - you should not do this alone. Only do this with the input of a Certified Financial Planner.