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Mortgage Advance Payments directly reduce principal which shortens the general payment period.

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Second Mortgages enable homeowners to get into equity without refinancing
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First-time home buyer land transfer tax rebates provide savings of
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Second mortgages involve higher rates and fees than firsts because of their subordinate claim priority in the default.

The CMHC Green Home Program offers refunds on house loan insurance
premiums for energy-efficient homes.

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