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  1. My mortgage expert had told me throughout the application process that I can be able to make extra repayments in a number of ways: I could double up my mortgage payments, I may make a one time payment payment every year, I could increase my payments annually by approximately ten percent, if I needed a bit breathing room, I could skip a payment yearly. canadian mortgage calculator Most people know that a mortgage is a loan which is secured by a house, though the less obvious part is how which is actually formalized in the background. canada mortgage calculator