Estimate the greater of 3-month interest or IRD using lender posted vs discounted rates.
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Principal remaining on the mortgage today.
Estimate mortgage break penalties based on term and rate details.
Use it before refinancing or selling a property.
Fixed-rate penalty
Estimate IRD vs three-month interest.
Variable-rate penalty
Calculate a three-month interest penalty estimate.
Use the break-even, penalty, or renewal output alongside the refinance and renewal playbooks so you compare timing, costs, and fallback options before you switch.
Guides
Read the Canada-specific playbook before you commit to the next step.
Execution
Use the broker workflow, rates pages, or secure dashboard to move from estimate to action.
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Fixed mortgages can use IRD formulas that increase penalties when rates fall.
No. This is an estimate. Ask your lender for an official payout quote.
Sometimes by porting or timing the change near maturity.