{"uid":"cap__3UweGUdIw9pEMz3z_jMJ","slug":"proppulse-mortgage-refinance-remortgage-calculator-0d3f52f1","name":"PropPulse Mortgage Refinance & Remortgage Calculator","description":"Mortgage refinance/remortgage calculator: break-even timeline, monthly and lifetime savings, cash-out availability, new-rate estimate, jurisdiction-aware (US refi, UK remortgage/ERC, DE prepayment penalty, CA term renewal, AU cashback). For homeowner and mortgage agents.","url":"https://proppulse.theaslangroupllc.com/api/prop/refi","method":"GET","headers":{},"bodySchema":{"type":"object","$schema":"https://json-schema.org/draft/2020-12/schema","required":["input"],"properties":{"input":{"type":"object","required":["type","method"],"properties":{"type":{"type":"string","const":"http"},"method":{"enum":["GET","HEAD","DELETE"],"type":"string"},"queryParams":{"type":"object","properties":{"lang":{"type":"string","description":"en | es | fr | de | zh | pt | ar"},"rate":{"type":"string","description":"7.2 (current rate %)"},"balance":{"type":"string"},"country":{"type":"string","description":"US | UK | CA | DE | AU | IN (optional)"},"location":{"type":"string","description":"Manchester | Austin, TX"},"home_value":{"type":"string"},"years_left":{"type":"string"}}}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string"},"errors":{"type":"object","description":"Documented error responses, keyed by HTTP status code","additionalProperties":{"type":"object","required":["description"],"properties":{"example":{"type":"object"},"description":{"type":"string"}}}},"example":{"type":"object"}}}}},"responseSchema":{"type":"json","example":{"verdict":"borderline — only worthwhile if staying 8+ years","new_rate":6.85,"closing_costs":8500,"monthly_savings":98,"breakeven_months":87,"cash_out_available":130000}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.08","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.08/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.08","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.08","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_41gcUBJt8SRrXrCkxPpIj","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.08","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Calculates break-even timeline, monthly/lifetime savings, cash-out availability, and new-rate estimates for mortgage refinancing or remortgaging, with jurisdiction-aware logic for US, UK, DE, CA, and AU.","exampleAgentPrompt":"I have a US mortgage with a $320,000 remaining balance at 7.1% with 22 years left — if I refinance to 6.3% and pay $5,000 in closing costs, how long until I break even and how much do I save per month and over the life of the loan?","exampleUseCases":[{"title":"UK early repayment charge refinance decision","prompt":"I'm in the UK with a mortgage at 5.2% and I've found a 4.1% rate, but my lender charges an early repayment charge. Can you tell me if refinancing makes sense — what's my break-even timeline and how much would that ERC cost me versus my monthly savings?"},{"title":"Australian cashback remortgage net benefit","prompt":"I'm looking to remortgage in Australia from 6.8% to 5.5% and the new lender is offering $8,000 cashback. What's my actual net benefit after accounting for the cashback, and how long does it take to break even on refinancing costs?"},{"title":"Canadian mortgage term renewal rate decision","prompt":"My Canadian mortgage term is renewing in 3 months at 5.9% versus my current 4.8%. If I renew at the new rate, what would my monthly payment increase be and how does that compare to switching lenders entirely — what's my break-even timeline and lifetime savings impact?"}],"resultDescription":"Returns a break-even timeline (months), monthly payment savings, lifetime interest savings, whether cash-out equity is available and estimated amount, a new-rate estimate, and jurisdiction-specific details such as early repayment charges (UK), prepayment penalties (DE), term renewal costs (CA), or cashback offers (AU).","failureModes":["Missing required inputs such as current rate or loan balance returns 400 Bad Request","Unsupported jurisdiction code returns a validation error","Negative savings scenario (refi not beneficial) returns result with break-even flagged as 'not reached'","Invalid property value or loan-to-value ratio returns an estimation error","Payment failure (x402) returns 402 Payment Required"],"whenToPreferThis":"Use this endpoint when a homeowner or mortgage agent needs a detailed, jurisdiction-aware refinance or remortgage analysis — especially when jurisdiction-specific rules like UK ERC, German prepayment penalties, Canadian term renewals, or Australian cashback offers are relevant. Prefer this over a generic mortgage calculator when break-even timeline and lifetime savings are required outputs alongside cash-out analysis.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-14T12:31:57.627Z","isFirstParty":false}