“Paying our mortgage off faster” is a goal clients often cite. The most useful tool in accomplishing this goal is the Manulife One mortgage. Clients receive credit immediately on a daily basis for any money on deposit in any of the multiple linked accounts. This reduces the amount of interest paid, significantly over time, accelerating paydown. The multiple accounts are useful for a variety of short and long-term savings targets. This is the ideal mortgage/bank account also, for those with a tolerance for leverage, to invest any paydown, tracking the interest which is now deductible (aka Smith Manoeuvre). We have a fund we prefer for investment that minimizes volatility while producing consistent returns that should generally exceed any borrowing costs, a primary goal in a levered strategy. Ask us for a referral to a Manulife One specialist for more information.