Penalty Calculator and Rates page. Lender-specific math, advanced options, and per-client rate overrides.
Adding A Custom Lender
Add a lender that isn't in our default list so it shows up alongside the rest.
Adding And Clearing Rate Overrides
Set a custom rate for a specific lender + term when you have a better deal than the posted rate.
Advanced Options In The Penalty Calculator
Cashback, closing date, and discount rate let us narrow into the lender's actual historical posted rate instead of falling back to a monthly average.
Changing A Rate For Just One Client
Open the client profile and edit the rate in the best option card. Only that client is affected.
Comparing Lender Options
The comparison view shows scenarios across lenders and products, with a best-option card and savings metrics.
Downloading The Penalty Result And Lender Options
Both the penalty result and the lender options can be exported as PDFs from the Penalty Calculator.
Hiding Lenders You Don't Use
Hide lenders from the Rates grid so you only see the ones you actually work with.
Lender-Specific Penalty Math
Every lender in our list has lender-specific math sourced from their publicly shared disclosures.
Rate Offset And Resetting To Live Rates
A rate offset adjusts every rate by a fixed amount. Reset to live rates wipes overrides and offsets back to market.
Recent Calculations And Pre-Loading
See your recent penalty calculations and pre-load them back into the form to tweak.
Running A Penalty Calculation
Enter the lender, current rate, balance, and months remaining to see IRD vs 3-month interest.
The Rates Page
A lender-by-term grid of current market rates - 1, 2, 3, 4, 5-year Fixed and Variable.
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