Free renewal check

Check your mortgage renewal offer before you sign.

Enter your lender's offer. FairRate gives you a free fairness snapshot, then you can unlock a plain-English report with the exact questions and scripts to use before replying.

What the paid reports add

CA$34 Quick Report: fairness verdict, benchmark comparison, payment impact, lender questions, and copy/paste email.
CA$79 Full Report: switch-vs-stay analysis, penalty checklist, broker quote checklist, phone script, and before-you-sign checklist.

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.

See exactly what you get before paying

Sample Mortgage Renewal Report

Illustrative sample only — CA$450,000 mortgage, 5-year fixed, renewal offer at 4.89%

Mortgage Renewal Report
Sample — not current BoC ratesDemo
Executive Verdict
Negotiate before accepting

Your offer appears above the comparable benchmark range. This may be worth discussing with your lender before signing.

Bank of Canada Benchmark Comparison
Sample data — figures below are illustrative, not current Bank of Canada rates
Your renewal offer
4.89%
5-year fixed (sample)
BoC benchmark (sample)
4.34%
Illustrative only

+55 basis points above sample benchmark · 100 basis points = 1 percentage point

Estimated Annual Cost Gap (sample)
CA$2,475
Illustrative estimate · Over 5 years: CA$12,375 (sample)

Sample data — not current BoC rates. Your actual report uses live Bank of Canada data.

Lender Email ScriptIncluded in paid report
🔒
Full lender email script included in paid report
Polite email · Firm email · Phone script
Also included in the CA$79 Full Negotiation Report
Negotiation leverage score🔒
Target rate range🔒
Broker comparison checklist🔒
Benchmark details and data date🔒
Penalty and fee questions to ask🔒

Sample only. Your actual report uses live Bank of Canada data and your specific balance, quoted rate, term, rate type, province, and amortization.