Monday, January 10, 2011

MAKING YOUR HOME OFFICE GREENER


Whether you work from home, or just have a desk in the corner, here are a few simple tips to make your home office a greener place. It may even make it a more efficient space, too!

1) Choosing to buy a laptop over a desktop computer saves a lot on your energy bill. They use almost 50% less electricity, and even less when you use them on their battery.

2) Keep your printer, fax machine, and computer shut off when you are not using them, and turn your power bar off at night. Another tip: Use an internet fax service, it's electronic, you can choose to print what you wish, and it provides more privacy and security for personal information. My faxes come directly to my email and cell phone, I can view them imediately, and print them later. It's a great service!!

3) Switch all your bills to e-bills, and subscribe to online banking. This will save a lot of trees, and make your desk a neater place.

4) Try to reduce the number of documents you print, and use both sides of the paper whenever possible. Only purchase post-consumer paper.

5) Use energy efficient bulbs for your desk lamp or office space.

6) If you are in the market for office furniture look for used. It saves the environment and your pocketbook.

7) Place a recycling bin next to your trash can. If it's there, you'll use it!

8) Purchase environmentally-friendly office supplies. From pencils made of recycled paper, to non-toxic printer cartridges, there is a wide selection available.

9) Consider purchasing your energy from companies that provide it from renewable sources

10) Take yourself off any catalog mailing lists. Usually all the products featured can be viewed and purchased online.

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E: info@canadianmortgagewarehouse.ca
P: 647.880.4119
F: 1-866-726-7426

Tuesday, January 4, 2011

Paying Off Your Mortgage Faster


CALL NOW TO SAVE!! 647-880-4119

What a better way to start off 2011 by putting a financial goal in place.  Wouldn't it be nice to pay off that mortgage faster?  Paying off your mortgage is one of the biggest financial goals of most homeowners, and retiring debt-free can certainly give your golden years a greater sense of financial freedom and stability.

Whether you're nearing retirement age or are just looking to reduce your largest debt load more quickly, here are some great tips for paying off your mortgage faster!

Principal Versus Interest

Essentially, to pay off your mortgage you have to reduce the principal owing on your property. There are really two ways you can do this without dramatically reducing your monthly budget.

Increase Your Monthly Payments

Even increasing your monthly payments by a small amount can take years off the life of your mortgage. You can also choose an accelerated plan whereby you can make weekly or biweekly payments rather than monthly. This will allow you to make a few extra payments each year. Combining these efforts can really have a surprising effect on the principal of your mortgage over a short period of time. We can complete a full Mortgage Analysis for you to help you figure out the exact numbers for your particular situation.

Reduce Your Interest Rate

If increasing your monthly payments is not an option, you can still pay off your mortgage faster by refinancing your mortgage to negotiate a lower rate. Keep your eye on the financial markets to gauge the best time to make this move, and seek out the advice of one of our Mortgage Professionals to confirm that this is a viable option for your current financial situation. If you have a good history of payment and an excellent credit score, finding a lender shouldn't be a problem.

Make A Lump Sum Payment On Your Mortgage

Another way you can decrease your mortgage principal and pay off your mortgage faster is by making a large lump sum payment. If you have come into extra money, have received a large income tax return, or just have a considerable amount of savings, this may be a wise financial decision. It will also dramatically decrease the amount of interest you will pay over the life of your mortgage and thus save you money. Just be sure your mortgage does not include a clause that will penalize you, and then determine whether it is still a good choice before going ahead.

The satisfaction a homeowner feels when they make that last mortgage payment is really unmatched by any other financial achievement, and following these simple steps can more quickly make that dream a reality.

Contact us today for your full Mortgage Analysis and let us help you save some money!!

Phone: 647-880-4119

Wednesday, December 22, 2010

HAPPY HOLIDAYS

We'd like to take this opportunity to wish everyone an amazing holiday season and a fun and safe new year.  We are looking forward to 2011.  We have a bunch of new and exciting things lined up for the new year and we're anxious to share them with you. 
Thank you for your continued support over the past year as we carefully craft and prepare to expand our business model to serve you better.  If it wasn't for you this would not be possible.

From all of us at Syndicate Mortgages and Canadian Mortgage Warehouse

Best Wishes and success in 2011