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PropPulse Mortgage Refinance & Remortgage Calculator
x402
PropPulse Mortgage Refinance & Remortgage Calculator is a paid API for AI agents from proppulse.theaslangroupllc.com, paid per call via x402, $0.08/call, status unknown (last checked 2026-09-14).
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.
Price / call$0.08
Success—
StatusUnknown
How this service works
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.
Output
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).
Example use cases
UK early repayment charge refinance decision
“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?”
Australian cashback remortgage net benefit
“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?”
Canadian mortgage term renewal rate decision
“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?”
Technical details
Endpoint
GEThttps://proppulse.theaslangroupllc.com/api/prop/refiWhen to prefer
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.
Side effects
- 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
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| inputrequired | object | |
| output | object |
Output
Schema · Response
{
"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
}
}Tags
x402
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