The New Mortgage Renewal Approach with case study
Watch to Learn:
Most homeowners treat mortgage renewal as a routine task find the lowest rate and sign the papers. But this session introduces a smarter way.
- Shift from habitual renewal to intentional planning
- Choose between wealth building or unknowingly transferring wealth to the bank
- Avoid pitfalls like requalification stress, rising interest rates, and being house rich but cash poor
- Align your mortgage with your broader financial and legacy goals
Why This Matters
- Rates are rising — and so are household debts.
- Lenders are tightening — requalification isn’t guaranteed.
Most Canadians leave wealth on the table by not planning.
By the end of this video, you’ll understand:
- How to turn your mortgage into a financial strategy
- The true cost of low-rate thinking
- How to prepare for your next renewal with clarity, control, and confidence
Case Study
Scenario 1
Watch to Learn:
- How Leah and Leon’s real-life scenario highlights the cost of renewing a mortgage the traditional way and why the interest volume matters more than just the rate.
- The financial impact of a $350,000 mortgage over 25 years: $230,000 in interest paid and little to no liquidity or net worth growth.
- Why traditional banks hold all the control, from dictating terms to limiting your access to equity, even after years of payments.
- What you risk losing in wealth and flexibility by sticking with conventional lenders: penalties, requalification hurdles, and locked-in capital.
- How to think differently: comparing traditional renewal with alternative strategies like Infinite Banking and non-traditional mortgage systems to build equity and retain control.
Scenario 2
Watch to Learn:
- How Manulife One works as a flexible, all-in-one mortgage, line of credit, and bank account, giving you full control over your cash flow.
- Why this isn’t just a mortgage product, but a financial operating system that reduces interest daily and lets your income go to work immediately.
- How Manulife One can help you pay off a mortgage in 9 years vs. 25 with traditional banks, even at a higher interest rate.
- The difference between focusing on interest rate vs. interest volume, and why the latter matters more.
- How to use policy loans, lump sum payments, and liquidity access to align with your IBC system and accelerate wealth-building.
- Why Manulife One and Infinite Banking are both systems, not products, and how integrating them helps you pay off debt while keeping control of your money.
- The role of IBC in creating uninterrupted compounding growth, financing major expenses, and building multi-generational wealth through legacy, not just inheritance.
Scenario 3
Watch to Learn:
- How to use policy loans from your IBC system to make lump-sum payments on a traditional mortgage, accelerating payoff by nearly 4 years and saving over $130,000 in interest.
- Why the strategy of paying only interest on policy loans during mortgage years, then repaying those loans afterward, builds both net worth and legacy with over $1.1M in cash value and $2.6M death benefit.
- What happens when you combine Manulife One with IBC using income and policy loans to slash interest, finish your mortgage in 7 years, and unlock ongoing access to home equity?
- How Manulife One acts as a financial operating system, letting your income reduce your loan daily, while still offering liquidity, flexibility, and no requalification.
- The power of synergy: Two financial systems, IBC and Manulife. Working together to give you control, compounding, and rapid wealth building without tax penalties.
- It’s not about the interest rate, but the system you use to move money, and how to get help setting this up with your advisor and a Manulife-approved mortgage broker.