If you're lucky, you might be able to pay down lump sums of your mortgage every year without penalty. I have a mortgage through Tangerine (formerly ING) and ca

If you're lucky, you might be able to pay down lump sums of your mortgage every year without penalty. I have a mortgage through Tangerine (formerly ING) and can pay down 25% of the original amount during any calendar year - assuming I have the cash, and feel that avoiding that interest is better than the return I could otherwise get investing the cash.