Clearbreak models the exact penalty structures used by Canadian lenders — including lender-specific IRD formulas — so you know the true cost of refinancing.
Calculate Your Penalty FreeModels the exact Interest Rate Differential penalty calculation for each of Canada's Big 6 banks, credit unions, and monoline lenders.
Calculates the precise number of months required to recover all refinancing costs through lower monthly payments.
Comprehensive cost aggregation including legal fees, discharge fees, appraisal costs, title insurance, and CMHC adjustments.
Monitors posted and discretionary mortgage rates from 40+ Canadian lenders.
What-if analysis for blend-and-extend, porting, switching fixed to variable, and more.
AI-powered extraction of mortgage terms from commitment letters, renewal notices, and statements.
Personalized alerts when market conditions create a favorable refinancing window.
White-label portal for mortgage brokers with branded reports and CRM integration.
Join thousands of Canadians making smarter refinancing decisions.
Sign Up Free