Use a mortgage broker (your ROYALMOUNT team) to tailor your mortgage to fit your specific financial situation and future goals.

Consider a 2nd mortgage; the payments are less than credit card payments and consolidating debt makes more financial sense.

Research variable rate vs. fixed rate mortgages, keeping in mind what your forward plan is.

Review your current mortgage to see if the payments can be altered; i.e. decrease amortization; increase payments either by frequency or amount; any of these can result in dramatic savings

Take advantage of your prepayment option by making the allowable 10% (or whatever your mortgage document states) principal payment on each anniversary date to decrease principal.