Affinity uses two methods to calculate prepayment penalties:
The three-month interest penalty calculation method assumes that your penalty equals the three months’ worth of interest based on the amount you prepaid at your interest rate
The interest rate differential calculation method involves calculating the difference between the current interest rate on your mortgage and the current posted mortgage rate, less any discount received at the time of negotiating your mortgage term
Keep in mind that you will pay a greater amount based on these calculations.