As The Mortgage Associate at TMG Saskatoon, it is my job to ensure you are in the best possible financial situation. One thing I have been doing with a lot of clients lately is doing an early renewal into a lower variable rate than their current fixed rate. By putting the clients penalty into the mortgage and keeping the payments the same, we are able to get the mortgage paid down almost two years quicker without increasing payments to the consumer. An example is below. Give The Mortgage Associate at TMG Saskatoon a call today and let me show you how to reduce your interest rate and amortization today!