See when a variable-rate mortgage payment hits the trigger point and how much buffer remains.
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Estimate the rate where your payment no longer covers principal on a variable mortgage.
Use it to plan for rising rates and avoid negative amortization surprises.
Payment stays fixed
See the trigger rate where principal stops decreasing.
Payment increase scenario
Test a higher payment to avoid trigger risk.
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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It is when the balance stops decreasing and amortization begins extending.
No. Lender policies vary on when payments are adjusted.
Yes. Fixed mortgages do not have trigger rates.