Demo ModeThis is a sample analysis. Scan your own contract — free — see your toxic-clause count in about a minute, no sign-up.
Clause Intelligence Dashboard
PDF clause review with secure vault storage.
Strategic Clause Audit
Prepayment Penalties
Calculates potential penalties to prevent you from being hit with a massive bill if you need to break your mortgage early.
Bona Fide Sale Clause
Uncovers the 'No-Exit' trap that legally stops you from switching lenders or paying off your mortgage unless you actually sell your home.
Refinance & Blend-and-Extend
Analyzes your freedom to increase your loan or change rates mid-term without being forced into an expensive full contract break.
Collateral vs Standard Charge
Explains how your mortgage is registered, identifying hidden 'switching costs' that could trap you with your current bank for years.
Prepayment Privileges
Confirms your rights to pay off extra principal and ensures the lender must reduce your penalty if you pay out early.
Mortgage Portability
Exposes the 'Subject to Approval' fine print that might block you from moving your current low rate to your next home.
Assignment / Assumption
Checks if a future buyer can take over your mortgage—a powerful tool that can make your home much easier to sell in a high-rate market.
Post-Discharge Restrictions
Audits hidden 'Cashback Clawbacks' and lender lockout periods that can remain active even after your mortgage is fully paid off.
Fees & Penalties
Scans for non-standard administrative and discharge fees that act as a 'hidden tax' on your home equity when you leave the lender.
PDF exports come with Pro
Pro is $29, one-time. It unlocks PDF exports and side-by-side Comparison. Basic is $19 for 1 audit credit. Buy on the pricing page — your account updates as soon as checkout is done. Questions? Email support@mguard.ai.