Most homeowners overpay their mortgage—
even when they negotiate the lowest rate.
The problem isn't your rate.
It's the hidden Cost of Credit.
Average Canadian homeowner pays in total interest:
Over the life of their $500,000 mortgage
You Did Everything Right
The rate looked competitive
You shopped around, compared offers
The payment felt affordable
It fit comfortably within your budget
The mortgage keeps stretching
Years pass, but the balance barely moves
The interest quietly adds up
Thousands disappear into interest every year
A low rate can still be a very expensive mortgage.
Interest Rate ≠ Cost of Credit
What Banks Show You
Interest Rate
But doesn't show the full picture...
What You Actually Pay
Cost of Credit
The number most homeowners never optimize
The interest rate is what your bank shows you.
The cost of credit is what you actually pay—over time.
Most homeowners never optimize this number.
A Better Way to Pay Off Your Mortgage
We built a simple framework that shows you the full cost of your mortgage and how to reduce it—without guessing, stress, or gimmicks.
P.A.Y.O.F.F. Framework™
The 6-step system
L.A.B. Number™
Your NEW Cost of Credit Number
Lifetime Amortized Borrowing Costs
Instead of asking:
You should ask:
MAP Plan™
Active vs. Passive Mortgage Management
A clear, strategic plan to reduce your cost of credit
- • Your plan — not the lender's
- • Framework for the lowest possible Cost of Credit
- • Strategic roadmap for mortgage freedom
- • Proactive mortgage optimization
What Happens When You See the Full Picture
Langley Family
British Columbia • $560,000 mortgage
Total Interest
Time to Mortgage-Free
Total Interest
Time to Mortgage-Free
Interest Saved
Time Saved
No tricks. Just better structure.
Meet Camilo Rodriguez
20+ Years Experience
Mortgage broker and financial strategist
Former President
Canadian Mortgage Broker Association (BC)
Author
From Debt to Zero
"My focus isn't creating mortgages—it's helping you eliminate yours."
After two decades in the mortgage industry, I've seen the same pattern repeat: homeowners focus on getting the lowest rate, only to spend decades paying hundreds of thousands in unnecessary interest. The P.A.Y.O.F.F. Framework changes that.
From Debt to Zero
The proven mortgage-payoff framework that helps Canadian homeowners eliminate debt faster.
Pay dramatically less interest
Shorten your mortgage timeline
Regain financial control
Reduce Mortgage Risk
What You'll Discover:
- • Why focusing on interest rates keeps you in debt longer
- • The P.A.Y.O.F.F. Framework™ step-by-step
- • How to calculate your true Cost of Credit
- • Real case studies from Canadian homeowners
- • Discover the LAB Number™️ and the MAP Plan™️
You don't need a better rate.
You need a better plan.
See your true Cost of Credit and discover how much you could save— in 2 minutes.
Calculate My Cost of CreditThe goal isn't a low rate.
The goal is a zero balance.