Itay Avni

Author, Real Estate Representative, Speaker and Consultant Itay Avni is a realtor and a programmer specialist working with medium to big-size companies to improve their computer systems performance and processes. Within his 15 years experience in this field, Itay has worked with financial systems and with sales and distribution. Itay is highly recommended and appreciated within the SAP programming community and won several awards for his contributions.

Itay has a B.A. in Logistics and Economics and M.Sc. in Business and Information Systems. Itay arrived in Canada in 2003 and became proficient in the Canadian Financial Banking System. Since then, Itay has been involved in helping people reduce their debt and build up their retirement fund, all without changing their lifestyle. Itay sees it as his mission to help people protect their assets and get ready for retirement without having to depend on the government or family members. Itay is a known advocate of real estate investment and planning. Since the creation of Fast Track My Mortgage™, he has been speaking and teaching people how to reduce debt, own properties and be successful landlords.

Building on well-established ideals, Itay found a way to make people understand the inner workings of the financial system all with clear and simple concepts that anyone can adopt regardless of their wealth or level of education. His unique Fast Track My Mortgage™ method is a step-by-step plan that anyone can adopt. He gives practical ideas and strategies that empower Canadians to take control of their financial wellbeing, endorsing financial education as the first step to financial freedom.

About the Book

Pay off your mortgage years earlier, even while living from pay cheque to pay cheque!

Why do people unquestioningly overpay the bank’s interest over the lifetime of their mortgages? It’s simple — because they don’t know any better. Consumers aren’t taught how to make their money work for them and how mortgage interest really works. Over the life of a typical mortgage, you will repay two to three times the amount of the loan. Why would you willingly do that if you knew there were ways to cut that number down and redirect those interest payments to other priorities, like retirement?

The BIG Payoff teaches you the Fast Track My Mortgage™ method that gives you the financial education you need to start taking control of your money. Easy principles that will enable you to pay off your house years earlier with amazing ease without the need to refinance or learn more than a few basic accounting rules.


Learn How…

You can finally break free from the cycle of endless mortgage and debt. You will learn how to use the bank’s money before using your own and how to reduce debt quicker than you ever thought possible — all without changing your lifestyle or expenses. You will see big changes that small adjustments can make to your current financial picture, and you’ll gain a powerful system for building your retirement fund and your family security.

In These Pages You Will Uncover...

How to significantly increase the equity in your home using the Fast Track My Mortgage™ method, take control of your mortgage and pay off your debts years earlier with a few simple steps.

  • How to use the bank’s credit products to pay off your mortgage faster.
  • How to pay off your debt even if you are living pay cheque to pay cheque.
  • How to increase your credit score and its effects on your financials.
  • Understand all the mortgage terms and their effects on your lifestyle.
  • How to negotiate for the best mortgage.
  • Why a bi-weekly program is not enough.
  • Learn the secrets the banks don’t want to tell you.
  • Uncover the money myths that hold you down.
  • How to identify which bank accounts to use and which not to.
  • How to identify the most cost-effective mortgage and when to refinance.
  • How to build your retirement fund years earlier.


"Without a word of financial lingo, The Big Pay Off shows the tips and tricks the banks won’t tell you. Only once you’ve finished reading it, you’ll understand the financial education you’ve missed. Read it if you want to finally, permanently alter the course of your financial life and live the good life."

-Gerry Robert, author of The Millionaire Mindset


"Mr. Avni leads you through a process of understanding your goals, your finances, your time, your expenses and your banking. These are all common sense strategies that are easy to establish and have worked for the people who attended Itay Avni’s popular seminars. They will work for you. These very strategies are used in Australia as common life practices and show you how to use the Canadian banking system to your advantage."

-Karen E. Grant, author of The Million Dollar Image


"The BIG Pay Off is one of the simplest self-improving debt reduction books in the country. The concepts mentioned are mind blowing in their simplicity. If you want to be mortgage free and build your retirement faster — you must read this book."

-Sindi Zilwa, author of The Ace Model


"The Big Pay Off is not about getting rich quickly or paying off your mortgage in a magical way. It is about learning how to make your money work better while reducing the amount of interest charged by the bank. It’s about improving wealth by mastering money. Read it if you want to awaken your financial genius."

-Alexander Woo, author of Work Hard, Die Poor? Or Work Smart, Retire Young And Rich?


“The BIG Pay Off is not a motivational book encouraging you how to save. It is all about maintaining your lifestyle and changing your actions to benefit from other people‘s money. By changing the way you use your credit card and the bank accounts you use, you learn how to pay off your mortgage years earlier. Read it to find all the scripts and tricks you need to make it happen even when the bank says no."

-Lim Tianyi, author of Appsolutely


"The Big Pay Off is based on proven and tested principals and the best part about it is it gives a clear line of action of what you can do right now to see improvement using a step-by-step example. I highly recommend The Big Pay Off to people who have existing mortgage or debt."

-Peter Ong, author of The Bullettrain Entrepreneur



“The Big Pay Off is the missing link in financial education. It is not your university textbook teaching financials. It uses a step-by-step example taken from a real life family living pay cheque to pay cheque and shows how to pay off your mortgage years earlier. If you thought this is impossible, it’s time to conquer the beast and take control."

-Gurunath Hari, author of The 6 Dimensions


"The Big Pay Off takes solid proven principals behind many known programs such as Manulife One and UFirst and teaches people how to do it themselves in a more efficient way. All without any need to either qualify or pay for such programs. If you have ever felt that you are paying too much and not gaining equity fast enough, this is your book."

-Jean-Guy Francoeur, author of Messy Manager


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