Disclaimer
Please read this carefully before relying on any output from LowballAI.
Not financial, legal, or professional advice
LowballAI's negotiation scripts, market intelligence, calculator results (loan, mortgage, equipment, total cost of ownership, savings, insurance, and rent-vs-buy estimates), and AI-suggested interest rates are provided for general informational and educational purposes only. They are not financial, legal, tax, insurance, or real-estate advice, and should not be relied upon as such.
Estimates only
All calculator outputs — including monthly payments, CMHC premiums, stress-test figures, land transfer tax, total cost of ownership, projected investment growth, and insurance savings — are approximations based on simplified formulas and the inputs you provide. Actual amounts from lenders, insurers, and government bodies will vary and may differ materially.
AI-generated content
Negotiation messages and suggested rates are generated by AI models and may contain inaccuracies. Always verify market data, pricing, loan terms, and legal/regulatory requirements independently — and with a licensed professional — before making a purchase, financing, or insurance decision.
Affiliate & partner relationships
LowballAI participates in the Amazon Associates program and earns commissions on qualifying purchases made through links on this site. We also route leads to third-party financing, insurance, and dealer partners and may receive compensation for those introductions. These relationships do not influence the negotiation guidance or market estimates we generate for you.
No guarantee of outcome
Using LowballAI does not guarantee any particular negotiation result, savings amount, loan approval, insurance rate, or investment return.