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A different type of home loan, called a mortgage accelerator, has migrated to
the United States. It uses home-equity borrowing and a borrower's paychecks to
shorten the time until a mortgage is paid off, potentially saving hundreds of thousands of dollars in.. interest expense.
Not to be confused with biweekly programs that shorten a mortgage through extra
payments, the mortgage-accelerator program is based on an approach common in
Australia and the United Kingdom, where borrowers deposit their paychecks into
accounts that, every month, apply every unspent dime against the mortgage loan
In Australia, more than one-third of homeowners use mortgage-accelerator programs. In the U.K., it's about 25%.
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