Your estimated penalty
Estimated penalty to break
$0
Interest Rate Differential (IRD)
$0
Estimate only, not an approval, offer, or your lender's official quote. Lenders apply their own posted rates, comparison-term rounding, and contract terms; your exact penalty must be confirmed with the lender. Discharge, appraisal, legal/notary (Quebec) and registration fees may also apply, and pro-rated cash-back may be repayable. Mortgage Momentum will confirm your real penalty and shop 50+ lenders to make sure breaking early actually pays off.