How It Works — Morty Check in Four Steps
How it works — four steps, no hoops
The whole point is speed and privacy. Here's the honest version of how a 2-minute check turns into a clearer decision.
How it works
Enter three numbers
Your loan balance, your current rate and your remaining term. Nothing required to start — contact details only join in if you want the report.
See where you stand
Your rate is benchmarked against today's market for borrowers in your situation — leading, close to market, or paying the loyalty tax.
Get your honest options
A break-even test on switching (with real costs included), plus the smartest first move — which is often negotiating with your current lender.
You choose the next step
Take the script and call your bank, get the full report by email, or invite us to do the complete check — you set the pace.
The check runs in your browser — nothing you type is sent to us or anyone else until you press the one button that asks for help.
Questions people actually ask
Is this really free?
Yes. The tools cost you nothing. When you later choose to refinance through Morty Mortgages, the lender pays us — that's the whole model, disclosed on the Transparency page.
Will you call me if I just use the tool?
No. We physically can't — the tool doesn't ask who you are. You only hear from us if you ask us to check your loan properly.
Why show me the option to call my bank?
Because sometimes that's the best move — and a broker who only sells refinances isn't honest. If staying and negotiating beats switching, you'll hear that from us plainly.
