While it may be difficult to make extra payments in the initial years of home ownership, consider rounding your payment up. You will be surprised at the difference it makes over the life of the mortgage.
BC & Alberta Mortgage Broker
When I'm not breaking the knuckles of different lenders for better mortgages for my clients - I'm kidding (or am I?) - you can usually find me visiting with friends or family, writing for this blog, or doing my best to keep from capsizing a dragon boat!