There are definitely taxable consequences to what you’re suggesting. I wonder could you make the following suggestion: have a target for expenses, customer related. For every dollar you save, you get a certain percentage. The mortgage idea is interesting, but since the company sees benefit to you, it behooves them to capture value for the company: try to offer you 50 cents on the dollar, something like that. It's what I would do. Whatever option you choose, you are going to pay taxes.