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PAuly we about pit goonad ou nder.ca m ‘ @ HomeF(i John Cavan, Agent Arrhilert M > Asé your e «h? /"‘cl/ A 'Q morl ga Q%g s planmer * . ‘_ PÂ¥. Make a plan to settle the excess spending that‘s racking up interest on your credit cards. Many Canadians suffer with their highest debt load in the month of January. Save thousands of dollars in interest by creating a pay down plan! Consolidate and restructure your debt into your mortgage so you are paying less interest and paying off debt sooner. Start the New Year on the right foot by saving money and taking advantage of historically low mortgage interest rates. WANT TO MAKE YOUR HOLIDAY Look at what you‘re paying on your credit cards and other debts. If you roil those high interest debts into a new or existing mortgage, your potential saving can be significant! Take a look at this scenario: DPBI MONTHLY PAYMENT CAR LOAN G3%) CREDIT CARDS (28%) You can use these savings to ease your monthly cash flow, or apply it to pay your debts down faster! For example, put $500.00 per month of your new CURRENT SITTUATION MORTGAGE (5.0 )* BME cash flow into your mortgage payment and reduce your amortization from 25 to 15 years! MONTHLY PAYMENT CURRENT SITUATION NS NEW MORTGAGE (3.45% )* | §240,000 __| s1192 _______| ZERO! pap orr I will assess your situation and determine if there are any penalties to break your current mortgage and evaluate if the savings outweigh the penalties. John Cavan is an .-lppruqu Mortgage Planner with Mortgage Architects. Mortgage questions and concerns can be directed to John Cavan‘s office, located at 14 Martin St., Milton. John can be reached by phone: 905â€"878â€"7213 or by email: john.cavan@mtgarc.ca. John Cavan‘s website is www.stressfreemortgage.ca. Contact John ‘today about your stressfree mortgage opportunities. * neal Fak semee w o RECORD BREAKING RESULTS CA KA A * â€" F | P fauime orrth | Câ€"SUM 22N0â€"5PME 790 Banks Cres __| $599,800 _ 698 Thompson | $599,000 3 BEDSâ€"3 BATHS * HANOVER PRIVATE DRIVEWAY « ROSEWOOD LrTRA ramone & ?Lf":" :‘ .'.""',4 """".'_‘}"fi 7 |;: * ,1{, 4 â€" ® tract with anogher rokerage © 20 Â¥ med on MinMax Team‘s Hignest Nummer q 3008 % 54 19 and Fignant farmbns o) ooA x more ut last Pracé o Jn 1, 201V â€" ( ‘.]‘Jg',I' ,"‘"‘ * 2040 to + es Number of Cetings sakd From Jan. md- . M s o h P3 ms in 1 TA Be=, 1934 Po We U * A *4 WA barvice fea‘s in ho tware ach Reaiy inc wWQW NEGOTIATING 3154 MORE FOR YOU ON AVERAGE! OVER $1.2 BILLION OF REAL ESTATE SOLD IN JUST LAST 10 YEARS! THE REAL TOTAL Commission FASTER m 107% SOLD IN 9 Days OF askinc °C _ 371 Messure Cres | $851,000 CHESTER Eut 1. ks ' .. md THAN AVERAGE! maxXxX ~ es mf'o@mmmaxx.com 476 Leiterman Dr _ $750,000 PLAN 5 CORNER bas tat Rat '.-'« Ma > R 4 Maik) AB the & * dependent asttor * Membersiips and p% 44 K and sold by isung seles representaty except ' , f ‘- ' bered rewerve the to consider 9....,". ve oferi % "may wosâ€"uojeyapisulmmm | NOIIWVHI NWVIGVNYWI NOLTW | LTOZ ‘6T Lenuer Aepsiny1 | 2z