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mortgage-broker

Compute true mortgage costs and compare banks using Effective Interest Rate.

14|6|Updated Apr 16, 2026
Search Tags:#mortgage#refinance#home-loan#cost-of-loan#bank-comparison#EIR#total-cost
One-click install
npx skills add https://github.com/aiunlocked1412/claude-skill-unlock --skill mortgage-broker
Or copy as Structured Prompt for Agent▼
Please help me install this Agent Skill.
Skill: mortgage-broker
Source: https://github.com/aiunlocked1412/claude-skill-unlock/tree/main/skills/10-finance-accounting/mortgage-broker
Command: npx skills add https://github.com/aiunlocked1412/claude-skill-unlock --skill mortgage-broker

SYSTEM DOCUMENTATION & REQUIREMENTS

What problem does it solve?

Mortgage planning can be complex, requiring accurate cost comparison across multiple banks and terms to avoid costly decisions.

Core Features & Use Cases

  • Bank comparison using true costs (EIR) across lenders.
  • Total cost of ownership calculation including fees and notional interest.
  • Refinancing analysis and optimal timing for changes.
  • Guided, end-to-end mortgage planning for new purchases, rate changes, or debt consolidation.

Quick Start

Tell the system to compare mortgage options for a home purchase with price, down payment, income, existing debts, and preferred loan term.

Frequently Asked Questions about mortgage-broker

High-intent search queries and answers about installing and using this skill.

FAQPage Schema
How do I compare mortgage options across multiple banks?▼

A mortgage refinance is viable when the true cost of ownership decreases enough to offset fees. Refinancing analysis calculates the effective interest rate and notional interest to determine the optimal timing for changing your loan terms.

What is the effective interest rate and how does it affect my home loan?▼

Total cost of ownership for a mortgage includes the principal, interest, and associated fees over the loan term. Calculating this total cost requires inputs like home price, down payment, income, existing debts, and property type to ensure accurate financial planning.

Can I plan a first-time home purchase using true cost calculations?▼

Yes, you can use this mortgage planning approach for debt consolidation scenarios. The system evaluates home loan options by computing true costs and comparing banks, applying the same calculations to guide debt consolidation and refinancing decisions.

What inputs do I need to calculate the total cost of a mortgage?▼

To calculate the total cost of a mortgage, you need inputs including the home price, down payment, income, existing debts, desired loan term, and property type. These inputs allow the system to compute the effective interest rate and total cost of ownership.

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