{"id":20618,"date":"2025-01-09T12:04:57","date_gmt":"2025-01-09T12:04:57","guid":{"rendered":"https:\/\/groupeorbis.com\/debutez-la-nouvelle-annee-du-bon-pied-conseils-pour-economiser-sur-votre-hypotheque-en-2025\/"},"modified":"2025-01-09T19:56:53","modified_gmt":"2025-01-09T19:56:53","slug":"start-the-new-year-right-tips-to-save-on-your-mortgage-in-2025","status":"publish","type":"post","link":"https:\/\/groupeorbis.com\/en\/start-the-new-year-right-tips-to-save-on-your-mortgage-in-2025\/","title":{"rendered":"Start the New Year Right: Tips to Save on Your Mortgage in 2025"},"content":{"rendered":"<div class=\"row\"  id=\"row-1458721765\">\n\n\t<div id=\"col-1129408682\" class=\"col small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\n\n\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-1129408682 > .col-inner {\n  margin: -290px 0px 0px 0px;\n}\n<\/style>\n\t<\/div>\n\n\t\n\n<style>\n#row-1458721765 > .col > .col-inner {\n  padding: 30px 30px 30px 30px;\n}\n<\/style>\n<\/div>\n<div class=\"row\"  id=\"row-1412283723\">\n\n\t<div id=\"col-711395470\" class=\"col small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\n<img loading=\"lazy\" decoding=\"async\" width=\"2048\" height=\"1156\" src=\"https:\/\/groupeorbis.com\/wp-content\/uploads\/2025\/01\/CANADA-THUMBNAIL-1.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" srcset=\"https:\/\/groupeorbis.com\/wp-content\/uploads\/2025\/01\/CANADA-THUMBNAIL-1.jpg 2048w, https:\/\/groupeorbis.com\/wp-content\/uploads\/2025\/01\/CANADA-THUMBNAIL-1-300x169.jpg 300w, https:\/\/groupeorbis.com\/wp-content\/uploads\/2025\/01\/CANADA-THUMBNAIL-1-1024x578.jpg 1024w, https:\/\/groupeorbis.com\/wp-content\/uploads\/2025\/01\/CANADA-THUMBNAIL-1-768x434.jpg 768w, https:\/\/groupeorbis.com\/wp-content\/uploads\/2025\/01\/CANADA-THUMBNAIL-1-1536x867.jpg 1536w\" sizes=\"auto, (max-width: 2048px) 100vw, 2048px\" \/>\n\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-711395470 > .col-inner {\n  margin: -170px 0px 0px 0px;\n}\n@media (min-width:550px) {\n  #col-711395470 > .col-inner {\n    margin: -120px 0px 0px 0px;\n  }\n}\n<\/style>\n\t<\/div>\n\n\t\n<\/div>\n<div class=\"row\"  id=\"row-1129041885\">\n\n\t<div id=\"col-184072290\" class=\"col small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner text-center\"  >\n\t\t\t\n\t\t\t\n\t<div id=\"text-140653163\" class=\"text blog-txt\">\n\t\t\n<p>The new year is the perfect time to reassess your financial goals and look for ways to save money. Your mortgage is likely one of your largest financial commitments, so finding ways to reduce costs can make a significant difference in your overall financial health. Here are some practical tips to save on your mortgage in 2025:<\/p>\n<h3><strong>1. Consider Accelerating Your Payments<\/strong><\/h3>\n<p>By increasing the frequency of your mortgage payments from monthly to bi-weekly or weekly, you can pay off your mortgage faster and reduce the overall interest you pay. Even a small increase in your regular payment can have a big impact over time.<\/p>\n<h3><strong>2. Take Advantage of Prepayment Privileges<\/strong><\/h3>\n<p>Many mortgages allow you to make lump-sum payments or increase your regular payments without penalties. Use bonuses, tax refunds, or other windfalls to chip away at your principal and save on interest.<\/p>\n<h3><strong>3. Explore Refinancing Options<\/strong><\/h3>\n<p>With interest rates fluctuating, refinancing your mortgage at a lower rate could save you thousands over the life of your loan. Our brokers can help you determine if refinancing is the right move for you.<\/p>\n<h3><strong>4. Consolidate High-Interest Debt<\/strong><\/h3>\n<p>If you have high-interest debts, consolidating them into your mortgage could reduce your monthly payments and interest costs. Let us guide you through the process to ensure it aligns with your financial goals.<\/p>\n<h3><strong>5. Review Your Mortgage Terms<\/strong><\/h3>\n<p>Life changes, and so do your financial needs. A mortgage review with one of our brokers can help ensure your mortgage still works for you.<\/p>\n<p>Start the new year with confidence. Contact one of our mortgage brokers today to discuss your options and set yourself up for success in 2025.<\/p>\n\t\t\n<style>\n#text-140653163 {\n  text-align: left;\n}\n<\/style>\n\t<\/div>\n\t\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n<\/div>\n<div class=\"is-divider divider clearfix\" style=\"margin-top:0em;margin-bottom:0em;max-width:100%;height:1px;background-color:rgb(213, 213, 219);\"><\/div>\n<div class=\"row\"  id=\"row-1883665173\">\n\n\t<div id=\"col-1501939505\" class=\"col small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\t<div id=\"gap-1697389914\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-1697389914 {\n  padding-top: 40px;\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"text-3489297888\" class=\"text\">\n\t\t\n<h3>Related Articles<\/h3>\n\t\t\n<style>\n#text-3489297888 {\n  font-size: 1.6rem;\n  text-align: left;\n  color: rgb(0,0,0);\n}\n#text-3489297888 > * {\n  color: rgb(0,0,0);\n}\n@media (min-width:550px) {\n  #text-3489297888 {\n    font-size: 1.5rem;\n    text-align: center;\n  }\n}\n<\/style>\n\t<\/div>\n\t\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n<\/div>\n<div class=\"row\"  id=\"row-1770617688\">\n\n\t<div id=\"col-1520246829\" class=\"col blog-column small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner text-left\"  >\n\t\t\t\n\t\t\t\n\n  \n    <div class=\"row large-columns-3 medium-columns-1 small-columns-1 row-full-width\" >\n  <div class=\"col post-item\" >\n\t\t\t<div class=\"col-inner\">\n\t\t\t\t<div class=\"box box-normal box-text-bottom box-blog-post has-hover\">\n            \t\t\t\t\t<div class=\"box-image\" >\n  \t\t\t\t\t\t<div class=\"image-cover\" style=\"padding-top:56.25%;\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/groupeorbis.com\/en\/navigating-the-canadian-housing-market-five-tips-for-first-time-home-buyers\/\" class=\"plain\" aria-label=\"Navigating the Canadian Housing Market: Five Tips for First-Time Home Buyers\">\n\t\t\t\t\t\t\t\t<img 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blog-post-inner\">\n\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<h5 class=\"post-title is-large \">\n\t\t\t\t\t\t<a href=\"https:\/\/groupeorbis.com\/en\/why-your-credit-rating-matters\/\" class=\"plain\">Why Your Credit Rating Matters<\/a>\n\t\t\t\t\t<\/h5>\n\t\t\t\t\t<div class=\"post-meta is-small op-8\">September 11, 2024<\/div>\t\t\t\t\t<div class=\"is-divider\"><\/div>\n\t\t\t\t\t                    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