Is Your Lender
Being Fair With You?
Two tools. No lender affiliation. No lead generation. Just data — so you know exactly where you stand before you sign.
Looking for Canadian mortgage renewal help?
Use FairRate Canada to check a renewal offer, estimate Rate Gap Cost, and review before accepting.
Our Data Transparency Guarantee
Every verdict we deliver shows you the exact benchmark data source, series ID, and data date so you can verify it yourself. We use Federal Reserve FRED data from Optimal Blue — the same source that accounts for approximately 35% of all US mortgage locks. If the data is stale or unavailable, we tell you that too. No user data is shared with lenders. Our only revenue is your payment.
Tool 1
Rate Checker
one-time
Enter your mortgage profile and find out if your rate is competitive — plus the exact words to use when you call your loan officer.
- Verdict: Competitive, Slightly Above, or Significantly Above Market
- Dollar cost of the rate gap (monthly + total)
- Word-for-word negotiation script
Tool 2
Loan Estimate
Analyzer
one-time
Upload your loan estimate PDF and find out which fees are standard, which are inflated, and exactly what to say to negotiate each one.
- Every fee rated: Standard, High, or Negotiable
- Total potential savings calculated
- Negotiation script for every flagged fee
How it works
Enter your details
Your loan amount, credit score range, down payment, and the rate you were quoted. No account needed.
We run the numbers
We compare your profile against live market data from the Federal Reserve — the same data lenders use.
Get your verdict
See exactly where your rate or fees land, the dollar cost of any gap, and what to say to negotiate.
Data Source
Federal Reserve FRED · Optimal Blue OBMMI
Actual locked mortgage rates from ~35% of all US mortgage originations — not surveys or advertised rates.