compare_break_or_stay
shallowmortgage.jenny/jenny-mortgage-tools · Verify this server
Use this when a user is partway through a Canadian mortgage term and asks whether to break the mortgage early (to refinance the same debt, switch lender or take a lower rate) or stay until the term ends. Compares keeping it with a user-supplied replacement offer, counting the lender-quoted penalty, such as an interest rate differential (IRD) or three months' interest. Shows cashflow payback separately from borrowing-cost crossover. Do not use to calculate or estimate a penalty: the lender must quote it, and an unknown penalty prevents an unconditional ranking. No cash-out or rate search.
1 trials · measured 2 days ago
compare_break_or_stay scores 100.0/100 on Vouch's measured behaviour index, from 1 real invocation trials against mortgage.jenny/jenny-mortgage-tools, measured 20 Oct 2026 under methodology v0.2.0. Every measured component scored 100.
Component breakdown
| Component | Weight | Value |
|---|---|---|
| Reliability | 35% | not applicable |
| Schema integrity | 25% | 100.0 |
| Failure behaviour | 15% | not applicable |
| Latency | 15% | not applicable |
| Concurrency | 10% | not applicable |
Tool details
- Transport
- remote
- Credential class
- self-provisionable
- Input schema
- not declared
- Output schema
- not declared
- Side-effect classification
- unclassified
Score history
| Day | Score | Tier | Methodology |
|---|---|---|---|
| 2026-10-20 | 100.0 | shallow | v0.2.0 |
Probe evidence
| Probe | Outcomes |
|---|---|
| schema_integrity | pass: 1 |
Raw request/response logs are not archived yet — the outcome counts above are drawn directly from every recorded trial.
Embed this score
Available for every tool, scored or not — not a verification perk. Always links back to this page.
[](https://vouch.tools/tools/8e930f0f-a671-42da-8374-3b235faa2c71)