Question 1

Is this really free?

Accepted Answer

Yes. Checking your mortgage for savings is completely free — no cost, no obligation, no credit card. You only ever pay your lender, never us.

Question 2

Do I need to create an account?

Accepted Answer

No. You can see your estimated savings anonymously — no name, email, or phone number required. Create a free account only if you want to save your results and be notified when your savings change.

Question 3

Will this affect my credit score?

Accepted Answer

No. We don't pull your credit or run a credit check. We ask about your property and current mortgage — not your credit — so checking has zero impact on your score.

Question 4

What information do you need?

Accepted Answer

Just your property and current mortgage details: address, lender, balance, rate, term, amortization and maturity date. That's the math the estimate needs — nothing more.

Question 5

How accurate are the savings?

Accepted Answer

Your estimate is calculated against real, current Canadian lender rates and already subtracts your prepayment penalty, so the number is honest. A licensed mortgage advisor confirms the exact figures before you switch.

Question 6

What is a prepayment penalty?

Accepted Answer

It's the fee your lender charges to break your mortgage before the end of its term. We calculate it and deduct it from your savings, so what you see is your real, penalty-included benefit — not an inflated headline number.

Question 7

Which lenders do you compare?

Accepted Answer

We compare current rates from Canadian lenders through Choice Financial's rate catalogue. You see the rate, payment and savings — a licensed advisor shares the specific lender when you're ready to act.

Question 8

Is my data private?

Accepted Answer

Yes — private by design. We collect only mortgage facts, never sell your data, and automatically delete unclaimed anonymous records after about 30 days. We're aligned with Canada's PIPEDA privacy law, and an advisor contacts you only if you explicitly opt in.

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