Every refinance story starts the same way — what do you actually have?
Just rough numbers — no need to dig out paperwork.
Estimates only, based on current market rates — not a guarantee of savings. Rates can change at any time, and your lender’s actual IRD formula, posted rates, and discretionary discounts can move this materially. All financing is subject to lender approval, on approved credit (O.A.C.). We confirm exact figures with you before you commit to anything.
Does this affect my credit score?
No. This calculator doesn't touch your credit — nothing is pulled and no application is made. A credit check only happens later, with your permission, if you decide to move forward.
Is it actually free?
Yes. On residential mortgages the lender pays the broker, not you. You get the analysis and the lender shopping at no cost.
Can I refinance mid-term?
Usually yes — but breaking early triggers a penalty, which is exactly what this tool estimates. Sometimes the savings clear it easily; sometimes waiting is smarter. We'll tell you which.
Why not just call my bank?
Your bank can only offer you your bank's products. Cameron shops 100+ lenders and, as a CPA, structures the file around your full financial picture — not just the rate.
What happens after I submit?
Your results appear instantly on-screen and a copy goes to your inbox. Cameron reviews it personally. No call centre, no sales team, no automated drip.
How accurate are these numbers?
They're estimates based on the numbers you enter and today's market rates — not a quote or a guarantee of savings. Rates can change at any time, and your lender's exact penalty formula can shift things too. Your real numbers get confirmed on the call before anything is committed.