A common misconception about breaking your mortgage with your lender says that your penalty is about 3 months of mortgage payments. That couldn't be further from the truth.
However, when signing up for that new mortgage, the information and paperwork will easily overwhelm and buyers are so focussed on getting the best rate, that the penalty for breaking that mortgage, is seldom asked about or discussed.
It is wise to always ask and understand how that penalty is calculated whether you want to or circumstances mandate that you sell your home or get out of your mortgage before the term is over.
Read here about one woman's unpleasant surprised when she was forced to sell her home recently. Her occupation will surprise you!