When it comes to breaking your mortgage, not all banks have the same payout penalty calculations. As the video illustrates, there can be a huge difference between two lenders There is also a very good chance this is not even mentioned to you when you sign your mortgage. You really only see this calculation used by the big banks. None of my non-bank lenders have this calculation. This is just another detail that I take into consideration when I am placing your mortgage and another reason to have me as your Mortgage Broker.