Pragmatic Mortgage | We're the mortgage company that doesn't want you to have a mortgage.

Property & goals

Set the analysis horizon and max lending value.

Property value

Max LTV

Decimal form, e.g. 0.8

Analysis horizon (months)

Discount rate

Decimal form, default 0.04

Current mortgage

Start with the details of your existing mortgage.

Balance remaining

Contract rate (%)

Amortization years

Amortization months

Term remaining (months)

Payment frequency

Current payment (per period)

Leave blank to derive from the contract

Current mortgage start date

Debts

Optional unsecured balances to consolidate.

Debts to consolidate

Fold high-interest balances into the new mortgage.

Label

Balance

APR (decimal)

Monthly payment

Payoff in months

Consolidate into new mortgage

When disabled the debt remains separate

Fees

Account for penalties and closing costs.

Prepayment penalty

Discharge fee

Legal fee

Appraisal

Other fees

Lender incentive

Roll fees into new mortgage

When enabled, fees increase the new balance instead of being paid upfront

New mortgage plan

Configure the proposed mortgage and payment strategy.

Keep the current payment

Ensure the new mortgage payment stays at least as high as today

Increase payment by

Per payment period, optional

Cash out

New payment frequency

New rate (%)

New term (months)

New amortization years

New amortization months

Target payment (optional)

Override the calculated payment for the new mortgage

New mortgage start date

Refinance Analyzer

Property & goals

Current mortgage

Debts

Debts to consolidate

Fees

New mortgage plan

Refinance Analyzer

Property & goals

Current mortgage

Debts

Debts to consolidate

Fees

New mortgage plan