The Financial Equalization©
Plan -
A New Way to look at Mortgages...
Would you like to ...?
 | Pay off high interest debt? |
| Have more cash flow? - or - |
| Pay off your mortgage faster? |
| Get a second mortgage or home equity loan |
| Refinance your 25 year mortgage down to a 15 year loan |
| Weekly or bi-weekly mortgage payments |
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Is there still time left at the end of your mortgage to enjoy life's pleasures, or mortgage left at the end of your time?
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Now, there is One Exception…
The *Financial
Equalization© Plan offered through Moneysmart Consultants
The Plan Can
| Significantly reduce your monthly debt load |
| Increase your monthly cash flow |
| Provide a lump sum of cash |
| Dramatically pay down your mortgage |
| Accelerate your equity 3-4 times faster |
| Save thousands of dollars of interest and future mortgage payments |
How the Program works
When you negotiate your mortgage with the banks, you are one person dealing
with a large inflexible institution. Our licensed mortgage brokers negotiate
with banks for millions of mortgage dollars. By applying the copyrighted
*Financial Equalization© Techniques, the terms of the mortgage
become a unique financial tool, which through payment efficiency, can reduce the
mortgage pay back by up to half the term or less!
It’s risk free
The Financial Equalization© Program is not a mortgage, but a
financial plan allowing you to save tens of thousands of dollars. It is
absolutely risk free. We utilize only licensed and established mortgage brokers to secure our financing. All of our transactions are reviewed and closed by a
real estate lawyer. Our plan ensures that your interests are protected and all
transactions comply with local provincial and federal rules and regulations.
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Finally I can see a light at the end of the tunnel | |
Example of the Financial Equalization© Program in Action...
| Before | After | |
| 1. Monthly payment obligation | $1,648 | $1,148 |
| 2. Monthly mortgage payment | $805 | $747 |
| 3. Payment on monthly debts | $843 | $0 |
| 4. Total interest—all debts | $122,607 | $78,094 |
| 5. Monthly cash flow increase | $0 | $500 |
| 6. Lump sum cash | $0 | $10,000 |
| 7. Years to pay mortgage | 23.5 | 16.5 |
| 8. Total cash advantage | $0 | $142,174 |
You could qualify for similar advantages too!
#1 Do you qualify for the Program?To qualify you must have 25% equity in your home, consumer debt, more than 10 years to go on your mortgage & good credit.
#2 Submit your Confidential Questionnaire
Simply fill in our
Online Questionnaire
print the form and fax to 250-390-9277. You will be contacted within
2-3 days. If you qualify, you will receive a summary of your personal plan. If
you wish to receive the benefits of the program, you will sign an intent to
proceed.
#3 Finalize your personal Financial Equalization Plan
Financing with the licensed mortgage broker and closing with the real estate
lawyer will take 14-30 days. Upon finalization, you will receive your
personalized portfolio.
Example:
| 1. Mortgage balance at purchase (Principal) | $175,000 |
| 2. Monthly Payment* | $1,280.22 |
| 3. Total payments over duration of Mortgage (#2 x 12 x 25 years) | $384,066 |
| 4. Total Mortgage interest only* costs: (#3 minus #1) | $209,066 |
| * 25 year amortization, 7.5% interest rate | |
Do the Math on YOUR Mortgage:
| 1. YOUR Mortgage balance at purchase (Principal) | $_________ |
| 2. YOUR Monthly Payment | $_________ |
| 3. YOUR Total payments over duration of Mortgage (#2 x 12 x 25 years) | $_________ |
| 4. YOUR Total Mortgage interest only costs: (#3 minus #1) | $_________ |
| This is what you
repay back to your lender in interest only! Let us show you a new way to look at mortgages... |
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Consider the facts…
Your mortgage payment is probably your biggest monthly expense. No matter how well you budget, a large portion of your after tax income goes directly to pay your mortgage. Even worse, most of the money goes directly to the bank to pay the interest on your mortgage.
With a typical mortgage, you will pay for your home between 2 to 3 times—but own it only once!
No matter what your interest rate, it will be approx. 17 years before your payments are split 50/50 principal & interest.