SERVING Greater Vancouver - MOBILE
Kiki and Erik Berg
C 888-649-2032 Kiki   P 778-374-3662 Erik


Pay off your mortgage in as fast as 5-7 years vs 25-30 years!  This isn't a new strategy, however we are raised believing that the Bank's 5 year fixed or variables are the best option. For who? Certainly not the consumer. The Bank wants you to have the 5 year term, with the 20% prepayment option that you will never use as once you pay that 20% you can't get that back. So the consumer put their savings in RRSP's or just lets it sit in their account. The traditional mortgage wants you to pay lots and lots of THEM
It's time for you to take control of your mortgage & stop playing the Banks game.
This will be the LAST mortgage you will ever have to qualify for or have. 

What is the Manulife ONE?

Click this YouTube Video to hear it from a Financial Planner

Flexible mortgage account is a revolutionary new lifestyle banking service that will allow you to pay off your mortgage years earlier, increase your available credit line, save thousands of dollars, and relieve the month-end financial pressures many people experience being locked into fixed mortgage payments.

Flexible mortgage account! How does it help you?

Flexible mortgage not only combines all your debts, it merges your chequing accounts and savings accounts into one simple consolidated account at one low rate of interest that is compounded daily to massively reduce your overall interest. It completely eliminates the need for separate personal loans, lines of credit, mortgages, and saving accounts, and chequing accounts. Flexible mortgage account also pays one of the interest rates on your positive balance.

Flexible mortgage account! Puts you in control.

By consolidating everything into one account, every dollar you earn works for you FIRST! You can use the account for unlimited chequing, interac, and bill paying needs but with one BIG difference. Now, every time you get paid, your entire income is used to reduce your debt and automatically increase your line of available credit. So, instead of having your income sit in a separate chequing account earning next to nothing, you can make it work for you at an incredible rate of return!

Canadian Home Owner example (this was a teacher client):

Value of their home $800,000
Current mortgage $400,000 with a 2.89% 5 year fixed 30 year amortization 
Payment $1800 per month
Family Income is $8000 Net per month

Just switching strategies look when this family will be paid off their mortgage!



Click this link to see how much you will SAVE and PAY of your Mortgage


How does the interest work? What is the Catch?

  1. Because interest is calculated on a daily basis, you only pay for what you owe each day. THIS IS THE KEY!!! In other words, every day that even one dollar of your income remains in your account you have less debt and you pay less interest. Over the lifetime of a typical 20 year mortgage, you could save thousands of dollars in interest and pay it off in 7 or 10 years without doing anything different from what you’re doing today…except to use flexible mortgage account! 
  2. Your current mortgage is calculated semi annually and amortized and ONLY your fixed payments are making the payments

How does a flexible mortgage account work?

1. Manulife One lets you consolidate your debts to reduce your borrowing costs.

Your Manulife One account allows you to consolidate all of your debts (loans, credit cards, etc. - up to your borrowing limit) at a competitive, low interest rate. By repaying your higher-cost debt from your Manulife One account, you could reduce your interest costs and become debt-free sooner.

2. Manulife One uses your income and savings to reduce your borrowing costs even further.

The best way to lower your borrowing costs is to pay down the principal that you borrowed. When you transfer your savings and/or short term investments into your Manulife One account, they go immediately towards paying down your borrowings. The same applies to your income. Every deposit that you make into the account reduces your debt, saving you interest costs until you need to withdraw funds again to pay for your monthly living expenses. Over time, what you save in interest will likely be more than what you would have earned.

3. Manulife One simplifies your banking by bringing your income and debt together.

With a Manulife One account, your income and your debt are all together. So you don’t need to write cheques or transfer funds from one account to another. This way you never need to worry about missing a mortgage payment. Plus, your Manulife One account lets you:

  • Pay bills by cheque or online (including pre-authorized bill payments)
  • Pay for store purchases with a debit card (including getting cash back)
  • Withdraw or deposit funds1 at ABMs2
  • Plus much more.

There’s just one difference – whatever is left over in your Manulife One account at the end of the day goes directly towards reducing your borrowing costs. So all your money is working for you as hard as it can – 24/7/365.

4. Manulife One lets you enjoy financial flexibility.

Some traditional mortgages make it difficult or inconvenient to repay your debt more quickly. But with Manulife One, the debt in your Main Account is automatically reduced any time you make a deposit to your account. And, when you have extra money to deposit, such as a gift, bonus, tax refund, etc. your debt is automatically reduced. This gives you the financial flexibility to pay down your debt on your terms, not on your bank’s terms.

Manulife One also gives you the financial flexibility you need to deal with unexpected expenses or take advantage of great buying opportunities when they come up; and you don't have to jump through hoops to do it. You can access the equity you’ve built up in your home (up to your borrowing limit) at any time just by writing a cheque, making a debit purchase or transferring money electronically.

With Manulife One, you’ve got the flexibility to repay your debt more quickly when you have extra money available and also to conveniently access that money when a spending need arises.

Why does it work?

What makes flexible mortgage account unique is what makes flexible mortgage account work. Consolidation of debts and savings brings debts together at one low rate of interest and puts excess dollars to work lowering borrowings and reducing interest. Using this account as a daily account means you can take full advantage of the flow of money through the account. The account makes the most of every extra dollar, taking money that would normally sit in a low-interest-earning chequing or savings account and putting it against any borrowings. Plus, with the daily interest calculation, you pay interest only on what you owe each day, so every dollar saves you interest while it is in the account.

With its all-in-one design, this account can save clients a significant amount of interest while it speeds their debt reduction by years. Plus, since it frees up money on a monthly basis (by helping clients to smooth out monthly cash flow and lower their debt costs significantly), it can help clients to increase their investment activities.

This powerful account has another great benefit for clients. It’s a bit of a chameleon – it can be used in a wide range of situations.

  • The mortgage buster… without paying more.
  • Thinking about “leveraging” for yourself and buying rental properties?
  • Super line of credit
  • The investment and education fund
  • High-powered chequing account.
You can only apply for the Manulife ONE with a licensed Financial Planner or Licensed Mortgage Broker (like my team). 

If your interested in applying, you can apply right online and one of our team will reach out to you via email or phone within 24 hours. 



Kiki and Erik Berg
Professional Mortgage Strategists
Mortgage Architects - A Better Way.




Total amount raised
Updated: 01/09/20
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Subject to change. Conditions may apply.
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