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If you're on a fixed rate mortgage it seems like this should be trivial...?

Variable rate throws it out of whack of course.



Having a mortgage with 3-months variable rate bank sends a new schedule everytime rate changes.

New schedule is calculated with new rate and consists of payments till the end of the term, with additional info about interest and principal amounts.

Same if you do additional payment into the principal - they will give you a new schedule.




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