11/02/2026
Want to move, but hate the idea of giving up your low mortgage rate?
I hear this all the time.
"I'd move, but I have a very low rate on my house. I'm not giving that up for today's rates."
I get it.
But your mortgage rate is only part of the equation.
Time matters also.
A traditional mortgage is ruled by the amortization table. An Intelligent Mortgage though, uses your everyday cash flow differently. Your income and deposits can reduce the mortgage balance used to calculate interest as the money comes in, potentially reducing the total interest you pay and shortening the time it takes to pay off your home.
For the right borrower, the numbers can be surprisingly different from a traditional 30-year mortgage.
So before deciding that your current low rate means you can't move, run a comparison.
You may be surprised by what the math says.
Try the calculator and see if it would work for your situation.
See how an intelligent cash-flow mortgage connects income, spending, and loan balance — and how that may affect payoff time and total interest cost.
