Say Good-bye to fixed mortgage payments, Say hello to a Super Line of Credit. All set up for free! No legal fee or appraisal !

By Paul Zammit

Whether you are in the process of buying a home or already own a home, this report applies to you.

In all my years in real estate I thought I had seen most of the ways of doing traditional mortgages. In the last year I've come across a brand new product from Manulife called the Manulife One Account.

Here’s how it works...

When you open a Manulife One account they will lend you up to 80% of the appraised value of your home (On Approved Credit). You use this to pay off the balance of your existing mortgage and any other outstanding loans you might have and combine your mortgage, savings and income together into one multi-purpose “ borrowing and chequing” account.

Now you pay one low interest rate on every dollar you borrow.

Say goodbye to fixed payments, by depositing your income into the account your payment is automatically covered and you instantly reduce what you owe. As you pay bills and other expenses throughout the month the amount you owe will slowly go back up, but you are still much further ahead. Plus whatever money you have leftover at the end of the month acts as a lump sum payment against your debt without a penalty.

The best part is you can always get at your money if you need it. In one easy step, the key elements of your financial life your mortgage , short term savings, chequing account, credit cards, loans and income are all combined within a single multi purpose account.

You will pay thousands of dollars less in interest cost and be mortgage free years sooner.

With appreciation,
Paul Zammit

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I would like to know is there any buyer out there has started legal proceedings in order to obtain deposits back.It is better to have all buyers of the organization and begin to work with a class. I am more than happy.

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Super line of credit giving us so many benefits such as No legal fee or appraisal, you can always get at your money if you need it.

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The best thing is that there will be no legal fee. That's good !