Mid-Term Reviews
We regularly review your mortgage to find opportunities to save. Sometimes it’s worth breaking your mortgage early if the interest savings outweigh the penalty.

‍Example:
You have 3 years left on your mortgage at 4.99%, and current rates are 4.10%.

• Your remaining balance is $300,000.
• Estimated interest savings over the next 3 years at the new rate: $8,400.
• Early break penalty (3 months’ interest): $3,700.

Result: You would save $4,700 by switching now.

That’s why I do mid-term reviews—it’s not just a one-time check. I have a system in place to monitor your mortgage and rates continuously, calculating if switching could save you money, even if it means paying a penalty. My goal is to make sure you never miss an opportunity to lower your payments or save on interest.