- Is property one your first home (that you live in) or is it your first investment?

- Can you reduce your tax on your primary home to pay off your mortgage without getting an investment property?

- I tried to negotiate a rate discount with my bank and they wouldn’t budge. Then went through all the process of refinancing and as the new lender requested discharge form they gave me the initial discount I was after plus $1000 cash back. Is there a better way to go about this without wasting so much time? 

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