Canadian Mortgage Renewal Offer Index

A rolling, privacy-safe research project examining voluntarily submitted Canadian 5-year fixed mortgage renewal offers and their distance from the public comparison context available at the time.

This is not a representative national survey, lender ranking, market-share study, or statement that a displayed comparison rate is available to a particular borrower. Results are withheld until the minimum sample threshold is met.

Contribute anonymously — about 2 minutesCheck an offer first

No contact details

No name, email, phone number, address, or lender account number is requested.

Broad balance bands

Your approximate balance is converted into a broad range before storage.

Thresholded publication

Headline findings stay withheld until at least 25 valid rolling submissions are available.

Current 90-day sample

0

Publication threshold: 25 valid submissions

25 additional valid submissions are needed before headline statistics are published.

Median submitted offer

Withheld

Median gap

Withheld

More than 20 bps above

Withheld

More than 60 bps above

Withheld

Methodology and publication rules

  • • Scope is limited to Canadian 5-year fixed mortgage renewal offers.
  • • The quoted offer is compared with the public comparison context recorded for that submission.
  • • Exact mortgage balances are converted to broad bands before storage.
  • • No names, emails, account numbers, street addresses, income, credit scores, or exact property details are stored in this research table.
  • • Headline statistics require at least 25 valid observations in the rolling 90-day window.
  • • Province-level or lender-level results will require larger separate thresholds before publication.
  • • Duplicate, invalid, unsupported, suspicious, or incomplete records may be excluded from later editorial releases.
Comparison methodologyBenchmark sources

Voluntary and anonymous

Contribute a renewal offer

Submit only information you are comfortable contributing to an aggregate research sample. Do not enter personal identifiers or confidential lender account information.

Before you start

Have your 5-year fixed renewal offer rate, the comparison rate and date you used, approximate balance, and remaining amortization ready. Most contributions take about two minutes.

Missing a comparison rate? Run the free checker first.

No name, email address, street address, lender account number, credit score, income, IP address, or exact property information is requested. The exact balance is converted into a broad band before storage.

How to cite this project

Preferred description: “The FairRate Canadian Mortgage Renewal Offer Index is a rolling, voluntary and non-representative dataset of submitted 5-year fixed renewal offers, published with explicit sample thresholds and methodology limitations.”

Do not describe the index as a national average, lender market study, guaranteed available rate, or representative survey unless a future release explicitly supports that claim.

Important limitation: FairRate Canada is an independent consumer-paid educational comparison and reporting product — not a lender, mortgage broker, mortgage agent, law firm, financial advisor, or mortgage underwriter. FairRate does not arrange mortgages, take applications, approve credit, or sell mortgage inquiries to lenders or brokers. The current benchmark-backed checker and paid benchmark reports support 5-year fixed renewal offers only and use fresh public 5-year fixed comparison context when a usable source is available. Broader Bank of Canada data may be used for contextual purposes. Results are not a lender quote, approval, qualification result, personalized advice, or guarantee of a lower rate or savings. Verify current rates, eligibility, fees, penalties, product terms, and switching costs with the relevant lender and, where appropriate, a licensed mortgage professional or other qualified advisor.