✅ Simple Truth: Manulife One isn’t complicated—interest works the same across the HELOC & fixed portion.
✅ Daily vs Semi-Annual: HELOC = interest calculated daily, paid monthly. Fixed = compounded semi-annually.
✅ DIY vs Done Right: You could duct tape this at another bank… but without the right setup + automation, clients overpay interest & take on risk.
✅ The Strategy Package:
Prepayment strategy made simple
Fully automated system
Correct setup from the start
Ongoing monitoring & rebalancing
➡️ Result: Clients save interest, avoid mistakes, and actually stick to the strategy.
