TO PAY or NOT TO PAY Off Your Mortgage – What’s Best for You?

In this essential episode of KT Confidential, Adrian Trott and Ariel Kormendy delve into one of the most debated topics in personal finance: Should you aggressively pay off your mortgage, or are there smarter ways to utilize your hard-earned cash? Whether you’re a first-time homebuyer, a seasoned homeowner, or somewhere in between, this discussion is tailored to provide valuable insights that could potentially reshape your financial future.


0:16 – Intro
4:46 – Adrian’s backstory
8:30 – Don’t overthink it and get into the market
10:26 – Why Adrian chose to fully pay off his mortgage
14:26 – Spousal RRSP Contribution
16:16 – Taking advantage of your RRSP room contribution
21:26 – People don’t make their first home their last home
27:41 – The real estate market in the U.S. is different from Canada
34:30 – Outro/recap


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In 2011, Ariel Kormendy and Adrian Trott formed The Kormendy Trott Team, now often referred to as KT (thanks to our logo!). The foundation of KT is built on providing unmatched value and attention to detail in everything we do. From our ever-expanding, comprehensive list of exclusive services to our expertly trained team, you will receive the highest level of care throughout your entire real estate journey.

Originally a team of two in Milton, Ontario, the KT Team has grown into a large team of exceptional REALTORS®, a client-care department, and now includes KT media, KT Commercial and KT Property Management to provide our clients with a complete lineup of genuine, professional, and proven services across Halton Region, Peel Region and the surrounding Regions within the Greater Toronto Area.

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