A very interesting loan product that can help monthly positive cash-flow consumers pay-off their mortgage sooner is the All-In-One. You don’t hear of this product much in the U.S., but similar products have been offered in Western Europe, Canada, New Zealand and Australia.

It is called All-In-One because it combines both a home loan and a checking account all in one loan. It is a home loan that works like a checking account. You get an ATM card and can write checks. Each time you receive a paycheck in the account or make any other deposit, it gets applied to principal, first. Interest is calculated off of the principal balance each night. So, the interest decreases as the principal balance decreases. Thus, if you have a monthly positive cash flow, you can make substantial payments to principal resulting in much less interest over the life of the loan.

It is a 30-year loan and you have access to the equity in your home for the full 30-years. It applies to primary residences and second homes.

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