Terrilyn Moore has been a mortgage agent since 2007 and previously worked as a law clerk for 15 years. She is active in her local community as a member of the Brantford Chamber of Commerce and volunteer for a hockey team. Moore provides tips on how to pay off a mortgage faster by saving thousands each year, avoiding common mistakes, choosing the right mortgage product, and getting more value. She uses an example of a family who saved over $60,000 in interest by switching to bi-weekly payments and refinancing their mortgage. Moore encourages working with a trusted mortgage advisor as a partner to become mortgage-free.

2. HELLO, my name is Terrilyn Moore and I am a
Mortgage Agent. I have been arranging
mortgages for people since 2007. I also
worked as a Law Clerk for over 15 years
before becoming a Mortgage Agent.
I have a family with 3 very active children. I
love baseball, hockey and spending time with
my family up north at our trailer.

3.  You may have come across my name before, I
am a member of the Brantford Chamber of
Commerce since 2010;
 I am a weekly advertiser in the homes section
of the Brantford Expositor;
 I also volunteer for the Brantford Major Midget
AA Hockey team; and,
 I am the Vice President for the Grand River
Gymmies Gymnastic Club for 4 yrs.

5. 
HOW TO PAY OFF YOUR MORTGAGE FASTER;

HOW TO SAVE THOUSANDS OF DOLLARS ON YOUR MORTGAGE
EVERY YEAR;

THE 3 BIGGEST MISTAKES YOU CAN MAKE WITH YOUR
MORTGAGE;

HOW TO PICK THE RIGHT PRODUCT FOR YOU RATHER THAN JUST
GET THE LOWEST RATE;

HOW YOU CAN TAKE IT FURTHER AND “GET MORE FOR YOUR
MONEY” WITH YOUR MORTGAGE.

6. .
THINK ABOUT YOUR FAMILY DOCTOR AND
YOUR HEALTH GOALS. YOUR DOCTOR KNOWS
YOU AND YOUR MEDICAL HISTORY AND CAN
GUIDE YOU TO A LONG HAPPY AND HEALTHY
LIFESTYLE FOR YOU AND YOUR FAMILY.

7. THINK OF YOUR MORTGAGE
BROKER AS JUST THAT.
SOMEBODY THAT KNOWS YOU,
YOUR GOALS AND YOUR
FINANCIAL HISTORY AND CAN
GUIDE YOU AND YOUR FAMILY
THROUGH THE LIFETIME OF
YOUR MORTGAGE AND HOME
OWNERSHIP.

8.  John & Tracy are your typical family that
went to the bank to get their mortgage.
 They had their mortgage with the bank.
They were paying posted rates (the rate
the bank offered them).
 They were also paying monthly payments
(instead of bi-weekly payments).

10. CURRENT
MORTGAGE
NEW MORTGAGE
MORTGAGE $200,000.00
AMOUNT
$200,000.00
INTEREST
RATE
3.49%
5.34%
MORTGAGE $1,202.22 per month
(amortized over 25 years)
PAYMENT
$997.40 per month
SAVING
$204.82
$0.00
(amortized over 25 years)
$2,457.84 (yearly)

11.  We changed their monthly mortgage payments
from monthly to bi-weekly.
 That means John and Tracy will pay off their
mortgage 2 years faster for each term.
 If John and Tracy continue with bi-weekly
payments for all of their mortgage terms they will
be mortgage free in 15 years vs. 25 years
originally.
 John and Tracy will save $61,000.00 over their
mortgage lifetime by making these small changes.

13.  Bank Employees work for the bank and sometimes
but you in a product that makes their employer lots
of money and are not in your best interest.
 WORK WITH A TRUSTED ADVISOR THAT
EDUCATES YOU AND IS WORKING WITH YOU
AS A PARTNER UNTIL YOU ARE MORTGAGE
FREE.

14. 



sometimes there are fees;
no flexibility in payment;
huge penalties to get out;
totally locked in and unaware that the mortgage is
not portable if you sell and buy another place.

15.  too often Canadians get a mortgage based on what
they are qualified for and not what they can afford;
 Consider the lifestyle you will lead and then
measure if the house and payments are workable
for you and your family or if the house payments are
too much.

16. WHY NOT WORK WITH A TRUSTED ADVISOR
THAT EDUCATES YOU AND IS WORKING WITH
YOU AS A PARTNER UNTIL YOU ARE MORTGAGE
FREE?

17. IF SO …
CALL TODAY TO GET MORE FOR YOUR MONEY
AND START YOUR FINANCIAL FREEDOM!
TERRILYN MOORE, AMP
MORTGAGE AGENT
519-909-7302
terrilynmortgages@gmail.com