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Home Calculators


This tool estimates your average yearly tax savings on a mortgage loan and calculates your after-tax interest rate on the loan.

Loan settlement charges (or closing costs) are generally not tax deductible. However, charges for a specific interest rate (or discount points), may be amortized over the term of the loan if you are refinancing or fully deductible if you are purchasing a home.

Tax savings on a mortgage loan increase at higher income tax rates, all else remaining the same. This is because mortgage interest is generally tax-deductible, reducing the after-tax interest rate.

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