Borrowers can pay off mortgage early by keeping payments up. This is really true and my hubby believes in this too. When he bought his truck, he paid more than what he's supposed to pay every month that's why he was able to finish paying it sooner than expected. He was never late or missed a single payment. So whatever mortgage you have, whether it's a First Time Buyer Mortgage try to keep up with the payments or even better, pay it more than what you're supposed to pay monthly if you can afford it. In that way, you will finish the payments early and you can have extra money that you can spend on other things like going on a vacation in other country.