Free Canadian mortgage renewal tools and offer checker
Start with the free benchmark-backed checker for a supported Canadian 5-year fixed renewal offer, then use the calculators, methodology, and educational guides to review questions before signing.
Important scope distinction
FairRate's benchmark-backed checker currently supports Canadian 5-year fixed renewal offers only. Do not use a lender-, province-, rate-, or term-oriented page as proof that FairRate has measured a unique benchmark for that combination. The broader pages below provide educational context, not separate verified benchmark engines.
Featured FairRate assets
Start with the supported checker or a clearly labeled educational resource.
5-year fixed renewal checker
The benchmark-backed FairRate checker for supported Canadian 5-year fixed renewal offers.
Open →Payment shock calculator
Explore illustrative payment changes and then review a supported offer separately.
Open →Submit a renewal offer without name or email
Contribute voluntary offer details for possible future aggregate analysis; remove identifying details first.
Open →Renewal fairness framework
Read the educational framework for reviewing a renewal offer before signing.
Open →Lender-oriented educational pages
Questions and context organized around a named lender. These pages do not prove lender-specific pricing or another available offer.
National Bank Mortgage Renewal Offer Too High?
Educational context and questions for reviewing a National Bank mortgage renewal offer.
Open educational page →BMO Mortgage Renewal Offer Too High?
Educational context and questions for reviewing a BMO mortgage renewal offer.
Open educational page →CIBC Mortgage Renewal Offer Too High?
Educational context and questions for reviewing a CIBC mortgage renewal offer.
Open educational page →Scotiabank Mortgage Renewal Offer Too High?
Educational context and questions for reviewing a Scotiabank mortgage renewal offer.
Open educational page →TD Mortgage Renewal Offer Too High?
Educational context and questions for reviewing a TD mortgage renewal offer.
Open educational page →RBC Mortgage Renewal Offer Too High?
Educational context and questions for reviewing a RBC mortgage renewal offer.
Open educational page →How to Negotiate a RBC Mortgage Renewal Rate
Educational context and questions for reviewing a RBC mortgage renewal offer.
Open educational page →How to Negotiate a National Bank Mortgage Renewal Rate
Educational context and questions for reviewing a National Bank mortgage renewal offer.
Open educational page →How to Negotiate a BMO Mortgage Renewal Rate
Educational context and questions for reviewing a BMO mortgage renewal offer.
Open educational page →Showing 9 of 15. For a supported comparison, use the 5-year fixed checker.
Province-oriented educational pages
Local context and review questions. FairRate does not infer province-specific benchmark pricing solely from location.
New Brunswick Mortgage Renewal Offer Checker
Educational renewal context for borrowers in New Brunswick; location alone does not create province-specific benchmark pricing.
Open educational page →Manitoba Mortgage Renewal Offer Checker
Educational renewal context for borrowers in Manitoba; location alone does not create province-specific benchmark pricing.
Open educational page →Ontario Mortgage Renewal Rate Checker
Educational renewal context for borrowers in Ontario; location alone does not create province-specific benchmark pricing.
Open educational page →Saskatchewan Mortgage Renewal Offer Checker
Educational renewal context for borrowers in Saskatchewan; location alone does not create province-specific benchmark pricing.
Open educational page →Nova Scotia Mortgage Renewal Offer Checker
Educational renewal context for borrowers in Nova Scotia; location alone does not create province-specific benchmark pricing.
Open educational page →Quebec Mortgage Renewal Rate Checker
Educational renewal context for borrowers in Quebec; location alone does not create province-specific benchmark pricing.
Open educational page →British Columbia Mortgage Renewal Rate Checker
Educational renewal context for borrowers in British Columbia; location alone does not create province-specific benchmark pricing.
Open educational page →Ontario Mortgage Renewal Rate Checker
Educational renewal context for borrowers in Ontario; location alone does not create province-specific benchmark pricing.
Open educational page →Alberta Mortgage Renewal Rate Checker
Educational renewal context for borrowers in Alberta; location alone does not create province-specific benchmark pricing.
Open educational page →Rate-specific educational pages
Pages about a stated rate percentage. They are educational and do not prove qualification for another rate.
Mortgage Renewal Offer Checker
Educational context for thinking about a 4% renewal offer. This page is not proof that another rate is available.
Open educational page →Mortgage Renewal Offer Checker
Educational context for thinking about a 3.99% renewal offer. This page is not proof that another rate is available.
Open educational page →Is My variable Mortgage Renewal Rate Fair?
Educational context for thinking about a variable renewal offer. This page is not proof that another rate is available.
Open educational page →Is My 3-year fixed Mortgage Renewal Rate Fair?
Educational context for thinking about a 3-year fixed renewal offer. This page is not proof that another rate is available.
Open educational page →Is My 5-year fixed Mortgage Renewal Rate Fair?
Educational context for thinking about a 5-year fixed renewal offer. This page is not proof that another rate is available.
Open educational page →Is 5.79% a Good Mortgage Renewal Rate in Canada?
Educational context for thinking about a 5.79% renewal offer. This page is not proof that another rate is available.
Open educational page →Is 5.49% a Good Mortgage Renewal Rate in Canada?
Educational context for thinking about a 5.49% renewal offer. This page is not proof that another rate is available.
Open educational page →Is 5.24% a Good Mortgage Renewal Rate in Canada?
Educational context for thinking about a 5.24% renewal offer. This page is not proof that another rate is available.
Open educational page →Is 4.99% a Good Mortgage Renewal Rate in Canada?
Educational context for thinking about a 4.99% renewal offer. This page is not proof that another rate is available.
Open educational page →Showing 9 of 11. For a supported comparison, use the 5-year fixed checker.
Term and strategy educational pages
Educational discussion of term and strategy questions. The benchmark-backed checker itself currently supports 5-year fixed renewals only.
General renewal educational pages
Broader before-you-sign questions and renewal context.
What to Say to Your Lender at Mortgage Renewal
Educational questions and context for reviewing a Canadian mortgage renewal offer before signing.
Open educational page →Mortgage Renewal Loyalty Penalty Checker
Educational questions and context for reviewing a Canadian mortgage renewal offer before signing.
Open educational page →Is My Bank’s Renewal Offer the Best Rate?
Educational questions and context for reviewing a Canadian mortgage renewal offer before signing.
Open educational page →Mortgage Renewal Payment Shock Checker
Educational questions and context for reviewing a Canadian mortgage renewal offer before signing.
Open educational page →Mortgage Renewal Counter Offer Guide
Educational questions and context for reviewing a Canadian mortgage renewal offer before signing.
Open educational page →Should I Accept My Mortgage Renewal Offer?
Educational questions and context for reviewing a Canadian mortgage renewal offer before signing.
Open educational page →Canadian Mortgage Renewal Rate Checker
Educational questions and context for reviewing a Canadian mortgage renewal offer before signing.
Open educational page →Is My Mortgage Renewal Rate Fair?
Educational questions and context for reviewing a Canadian mortgage renewal offer before signing.
Open educational page →BMO Mortgage Renewal Offer Checker
Educational questions and context for reviewing a Canadian mortgage renewal offer before signing.
Open educational page →Showing 9 of 14. For a supported comparison, use the 5-year fixed checker.