Side-by-side mortgage scenarios with lump sums, accelerated payments, and a visual payoff timeline. Built for borrowers who want to think like a strategist.
Set the starting principal and home value. Compare two strategies below.
Your baseline — what most borrowers do.
Change one thing or stack them all.
Calculations update live. All payments use Canadian semi-annual compounding.
| Metric | Strategy A | Strategy B | Difference |
|---|---|---|---|
| Regular payment | $0 | $0 | — |
| Payments / year | — | — | — |
| Payoff time | — yr | — yr | — |
| Total interest paid | $0 | $0 | — |
| Total paid | $0 | $0 | — |
| Balance after term | $0 | $0 | — |
Most lenders cap prepayment privileges at 15–20% per year. Some let you double payments, others restrict you to anniversary lump sums only. I'll match you to a lender whose prepayment terms fit your strategy.
Find a Lender That FitsHow the principal drops under each strategy. Steeper = faster payoff.
Want me to model your real mortgage with current rates and lender prepayment rules? Send this scenario and I'll respond within one business day.
Accelerated bi-weekly: Your monthly payment divided by 2 and paid every two weeks. Because there are 26 bi-weekly periods in a year (vs. 24 semi-monthly), you make the equivalent of one extra monthly payment per year — which knocks years off your amortization.
Lump sums: Most A-lender mortgages allow 15–20% prepayment per year (of original principal). Some require it in one shot on the anniversary; others let you spread it throughout the year. Always check the fine print before signing.
Extra each payment: Adding $100 to every payment is one of the most powerful — and most underused — prepayment tools. Because it goes directly to principal, the interest savings compound over the whole amortization.
Variable vs fixed: Historically, variable wins about 75% of the time over a 30-year horizon — but the last 3 years have been the exception. If rates are at the top of the cycle, a short fixed term (2 or 3 year) often beats both.
I don't just shop rates. I match you to a lender whose prepayment terms, port options, and renewal flexibility fit how you actually want to pay this thing off.