A SON has surprised his parents with what could easily be the most generous Christmas present ever - he paid off their mortgage.

The video posted on YouTube shows the heartwarming moment a man casually presents his parents with an envelope saying: "I have one more gift for you."

After opening the envelope and reading the note, his mother starts laughing and crying before handing the letter to her husband and hugging her son.

The father then reads the note and after wiping his eyes, also hugs his son.

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