AUSTIN RATE & HOLDING-PERIOD DESK
Read the contract before replacing the loan.
41 tools. One connected workspace.
Mortgage exit
Model a contract-supplied percentage or months-of-interest charge and the simple cost to refinance.
YOUR DECISION, IN NUMBERS
METHOD 2026-10-24.3Contract arithmetic, not a finding that a penalty is lawful or applies. No statutory limits are inferred. A full payoff may not permit annual privileges. Excludes accrued regular interest, escrow credits, yield maintenance and defeasance. Payment savings can reflect a longer term; simple break-even is not an economic recommendation.
Explore financing options for this plan ↗Carry inputs to another tool ↓YOUR GOAL FIRST / MITEY
Buying, refinancing or financing a business? Tell us what you want to achieve. Ask MITEY to help you understand the options, costs and next steps worth comparing.
We aim to help you seek competitive terms. Rates and options depend on the provider, product and your circumstances. A request is not a loan application, approval or guaranteed rate. Any provider introduction requires confirmed availability and your permission.
ONE PLAN / YOUR NEXT QUESTION
Review what carries across, then continue in another tool. The remaining values are examples to check.
Runs on this device. No enquiry is sent and no plan is automatically saved.
Modeled prepayment charge
One assumption changes; everything else stays the same. This is a stress scenario, not a forecast.
No. This is contract-based arithmetic. Ask the lender to identify the clause and provide a dated payoff statement; seek qualified advice for applicability.
Ask about your next step ↗THE LONG VIEW
YOUR COMPARISON TABLE
Save up to eight scenarios on this device. Each retains its own tool and assumptions; outputs from different methods are labeled separately. Download a plan before moving to another browser or independent portal.
No scenarios saved on this device yet.
OPEN METHODS / BETTER QUESTIONS
Chargeable principal = prepayment less a confirmed applicable allowance, floored at zero. Before the entered contract window ends, apply the selected percentage or simple interest-month method. Add administration charges. Simple break-even includes new-loan costs.
Contract arithmetic, not a finding that a penalty is lawful or applies. No statutory limits are inferred. A full payoff may not permit annual privileges. Excludes accrued regular interest, escrow credits, yield maintenance and defeasance. Payment savings can reflect a longer term; simple break-even is not an economic recommendation.
Use actual property documents, matching lender estimates and qualified advice where needed. No calculator, API or MCP tool here issues an approval or guarantees a rate.
YOUR PLAN / READY TO KEEP
Only this scenario is included. Choose Save as PDF in your browser's print destination.
Enable the interactive workspace and review a valid calculation before printing. No live report has been prepared yet.