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-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.
Payment and amortization scenarios matter most when they connect to a rate, a contract strategy, and a broker-reviewed fallback plan if rates move or priorities change.
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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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.