Want to Make Your Holiday Bills Disappear?

Rita Cousins Senior Mortgage Advisor • January 19, 2023

Make a plan to settle the excess spending that’s racking up interest on your credit cards.

Many Canadians suffer with their highest debt load in the month of January. Save thousands of dollars in interest by creating a pay down plan! Consolidate and restructure your debt into your mortgage so you are paying less interest and paying off debt sooner. Start the new year on the right foot by saving money and taking advantage of historically low mortgage interest rates.
Look at what you’re paying on your credit cards and other debts. If you roll those high interest debts into a new or existing mortgage, your potential saving can be significant!


Take a look at this scenario:

You can use these savings to ease your monthly cash flow, or apply it to pay your debts down faster! For example, put $500.00 per month of your new cash flow into your mortgage payment and reduce your amortization from 25-years to 15-years!


I will assess your situation and determine if there are any penalties to break your current mortgage and evaluate if the savings outweigh the penalties.

Sound interesting?

CALL ME TODAY!

🎆 Summer Nights in the Township 🌇

By Andy Schildhorn • July 31, 2025
Join us every week in July and August for free and low-cost outdoor events happening throughout the Township of Langley! Details Here

🏗️ Langley Mayors Welcome Change to Developer Fees 🏘️

By Andy Schildhorn • July 30, 2025
The mayors of both Langley City and Township were positive about a change to rules that will mean local homebuilders have to put up less money in advance when starting new construction. Read More

Buy First or Sell First? 🤔 Subject-to-Sale Offers Explained for Langley & Fraser Valley

By Andy Schildhorn • July 29, 2025
Buy first or sell first? It’s one of the most common — and complex — questions homeowners face. And if you get it wrong, it could cost you time, money, and peace of mind. In this video, Andy Schildhorn, Realtor with Macdonald Realty, breaks down the strategy behind subject-to-sale offers — a smart tool for navigating tricky market timing in Langley and the Fraser Valley. 🎯 You'll learn: ✅ What a subject-to-sale offer is and how it works ✅ The “first right of refusal” — and how it protects (and pressures) buyers ✅ What the bump clause means for sellers ✅ Hidden traps if you don’t protect your contract ✅ Why selling first gives you more negotiating power ✅ When a subject-to-sale offer does make sense ✅ How to move forward confidently with the right protections 📞 Ready to plan your move with confidence? 📅 Book a time: https://rly.forsale/Chat-with-Andy 📞 Call me directly: 778-835-8957 If you found this video helpful, don’t forget to like, subscribe, and hit the notification bell for more local real estate advice and smart buyer/seller strategies. Thanks for watching — and let’s make your next move your smartest yet.
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