I haven't seen these explained anywhere - so hope this helps a few people :-)
I believe they should be called Mortgage 'Extensions' which is what they really are! While we save 'cash' now, it will likely cost you a lot more than you think in the long run due to the impact of compound interest.
P.S. I'm not a financial adviser, this is not financial advice, blah blah...
And I've added my Spreadsheet into a directory for everyone - with a few other files I've mentioned on other videos :-) http://tiny.cc/RH_SharedFiles
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