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.
Send us your numbers and we'll confirm your exact penalty, compare it against today's rates, and tell you whether refinancing now actually saves you money, at no cost.