Is your mortgage still the right mortgage?
Kaiu reviews your current mortgage, compares your situation with today's market, and tells you what looks good, what to watch, and whether there may be a better option.
Remaining balance
$412,500
Current rate
5.49%
5-yr fixed
Renewal date
Mar 2027
Estimated value
$685,000
Home equity
$272,500
Rate sensitivity
+$187/mo
if rate rose 1%
Interest paid vs. principal, illustrative
trending downKaiu Mortgage Score
Strong position
Your mortgage looks strong overall. Your renewal timing is worth monitoring.
Observations
Renewal in 9 months
Worth comparing options ahead of time
Equity building steadily
Loan-to-value has improved this year
Start where you are
Three ways to understand your mortgage.
Review the mortgage you have, explore today's verified rates, or keep watching over time.
Review My Mortgage
Get your Kaiu Mortgage Score and a clear second opinion on your current mortgage.
Start my reviewFind My Rate
See the verified rate range that may fit a purchase, renewal, or refinance.
Find my rateMonitor My Mortgage
Keep an eye on renewal timing, equity, and changing market conditions.
See monitoringWhy Kaiu exists
Most mortgage tools are built to sell you something. This one isn't.
Kaiu exists to help you understand your own mortgage — nothing more, nothing hidden.
The old way
- Advice only comes up at renewal
- Calculators built for lead capture, not clarity
- Recommendations tied to what pays a commission
- Your details get shared before you say yes
- Confusing jargon, no plain-language summary
The Kaiu way
- Get an independent second opinion any time
- Analysis comes before any introduction
- Recommendations are never ranked by who pays
- See your result before sharing contact details
- One clear next step in plain language
How Kaiu works
Three steps to a clearer picture of your mortgage
No account, no application, no sales call.
Understand
Tell Kaiu about your current mortgage. The one-time review works privately in your browser.
Review and recommend
See what looks good, what to watch, and whether the numbers justify taking a closer look.
Monitor or connect
Keep watching your mortgage, or ask for licensed help only when there is something useful to explore.
The independence standard
Built to inform you. Nothing else.
Every part of Kaiu is designed around one rule: what you see here should never be shaped by who profits from your decision.
Analysis comes first
Kaiu reviews your mortgage before presenting any optional next step.
Recommendations stay independent
Mortgage options are never ranked or recommended based on who may pay Kaiu.
Nothing shared without consent
You see your review before deciding whether to save it or ask for licensed help.
No pressure to switch
Sometimes the right recommendation is to take no action. Kaiu will say so plainly.
See your mortgage clearly, in about three minutes
No account, no lender, no strings attached — just a clear look at where your mortgage stands.