Refinance Savings + Equity
Does refinancing actually make sense? Penalty estimate, debt consolidation savings, equity available, break-even timeline, and total interest saved.
Open Calculator →
Two Ontario-specific calculators built like a lender runs your file. Refinance savings and prepayment strategy — free, no sign-up required.
Refinance savings and prepayment strategy — each one runs the same math a lender runs on your file. No black boxes. No bank fluff.
Does refinancing actually make sense? Penalty estimate, debt consolidation savings, equity available, break-even timeline, and total interest saved.
Open Calculator →Compare two strategies side by side. Bi-weekly vs monthly, lump sums, extra payments — see years saved and interest saved with a visual payoff chart.
Open Calculator →These calculators provide estimates for planning purposes only. Actual rates, payments, and qualification amounts depend on your full financial profile, lender criteria, and current market conditions. For numbers you can act on, book a call with Kat.
A calculator gives you estimates. I give you a real plan based on your actual file, your goals, and what the market looks like right now.