![Get [ your home ]](https://spcdn.shortpixel.ai/spio/ret_img,q_cdnize,to_auto,s_webp:avif/howto.getyourhome.pro/wp-content/uploads/2025/10/cropped-How_to_GET_.webp)
![Get [ your home ]](https://spcdn.shortpixel.ai/spio/ret_img,q_cdnize,to_auto,s_webp:avif/howto.getyourhome.pro/wp-content/uploads/2026/01/How_to_GET_dark.png)
5 Types of Mortgage Penalties in Canada (and How to Calculate Each)
How much will breaking your mortgage really cost—three thousand or nineteen thousand dollars depending on penalty calculation methods?
3 Months Interest Vs IRD Penalty: Which Costs More?
Knowing which penalty—three months' interest or IRD—costs more could save you thousands, but the answer depends on factors most borrowers never check.