Layer lump sums or recurring increases to see how quickly you can retire your mortgage.
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Outstanding principal or refinance amount.
See how lump sums and recurring increases shrink your mortgage faster.
See how lump-sum or recurring prepayments shorten your mortgage and reduce interest.
Use it to plan accelerated payoff strategies while staying within lender limits.
$15,000 annual lump sum
Estimate years shaved off the amortization.
Monthly top-up
Compare a $150 monthly top-up vs a lump sum.
Save and compare scenarios
Create a free account to save scenarios, compare options side by side, and share results with your broker team.
Most do, but limits vary by contract. Check your prepayment privilege.
It can reduce amortization or lower interest, depending on lender rules.
No. Prepayments reduce balance without changing the mortgage contract.