[Gravter]

I did a few calculations concerning the return on interest paid (15%) and if we take this 15% every year and put it on our mortgage, it in fact is the same as getting a lower rate of about 1.1% !
But this is only good for so many years because after a while, one should be paying less interest each year because the mortgae goes down which will result in less money back (15% of 5,000$ compared to 15% of 1000$ is a big difference!).
Anyways, I'm still waiting for a few offers and we'll see what happens.

Cheers and thanks for info.