As the seasons change, it’s a great time to look at small adjustments that can make a big impact—especially when it comes to your mortgage.

One simple switch? Moving from monthly payments to biweekly payments. It might not sound like much, but it can help you pay off your mortgage faster and save thousands of dollars in interest over the life of your loan.

Here’s how it works:
Instead of making 12 monthly payments per year, biweekly payments mean you make 26 half-payments. That adds up to the equivalent of 13 full payments a year—one extra payment going directly toward your principal.

✅ You’ll reduce your interest costs over time.
✅ You’ll build home equity faster.
✅ And you could cut years off your amortization—without increasing your total monthly budget.

It’s a small change that delivers big results, helping you own your home sooner.

So this fall, as you watch the leaves turn and cozy up indoors, consider giving your mortgage a little refresh, too. The payoff might surprise you!

– Michele McGarvey Team, Dominion Lending Centres

Fall is the season of cozy sweaters, changing leaves, and yes—pumpkin spice everything. While it’s easy to indulge in seasonal treats, it’s also a great time to reflect on where those small, everyday expenses go.

Let’s do the math:
The average pumpkin spice latte costs around $6.
Enjoy three a week? That’s $18/week or about $936/year.
Over five years, that’s nearly $4,700—enough to cover a good chunk of a down payment, closing costs, or home upgrades.

Of course, you don’t have to skip every latte (life’s too short for that). But making small, intentional swaps—like brewing at home or limiting takeout coffee—can make a big impact on your long-term goals.

Little choices add up, just like savings do. So this fall, enjoy your PSL guilt-free—but remember, the sweetest reward might just be the keys to your new home. 🏡✨

– Michele McGarvey Team, Dominion Lending Centres