A clear guide to the offset mortgage, and how Canadian homeowners can use it to reduce the interest they're charged, pay off their mortgage faster, and put the cash they already keep on hand to work.

Most people keep their savings in one place and their mortgage in another, and never question it. This guide shows you what changes when the two share an account, and how to tell whether the math works in your favour.

What you’ll learn:

✦ How an offset mortgage works
✦ Why daily interest changes the math
✦ Readvanceable vs. a true offset mortgage
✦ A real-life example with clear numbers
✦ When the rate premium is worth it
✦ How to know if it’s right for you