Free renewal check

Check your mortgage renewal offer before you sign.

Enter your lender's offer. FairRate compares it with current public Canadian mortgage-rate context, then you can unlock a plain-English report with questions and scripts to use before replying.

What the paid reports add

CA$24 Mortgage Rate Fairness Report: Checks whether your quoted renewal rate appears fair based on your mortgage details and current Canadian market benchmarks.
CA$49 Full Mortgage Renewal Decision Report: Includes rate fairness, fee and penalty risk, lender-offer review, and a final accept / negotiate / shop-around recommendation.

FairRate is an independent information tool. Not a mortgage broker, lender, or financial advisor. Rate benchmarks are from Bank of Canada published data — for informational purposes only. Not financial advice. Consult a licensed mortgage professional before making any mortgage decision.

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Free. No credit check. No broker calls.