How to cite FairRate Canada
Use the exact page title, FairRate Canada as the publisher, the page URL, and the access date. When citing rate context, retain the source date and the limitations shown on that page.
Supported scope
The current benchmark-backed checker and paid benchmark reports support Canadian 3-year fixed and 5-year fixed mortgage renewal offers. Do not describe FairRate as comparing every mortgage term, variable-rate offers, borrower eligibility, or rates guaranteed to be available.
Approved descriptive language
One sentence
FairRate Canada is an independent, consumer-paid educational resource that helps Canadian homeowners compare a supported 5-year fixed mortgage renewal offer with dated public market context before signing.
Longer description
FairRate Canada provides a free initial checker and optional CA$24 and CA$49 written educational reports for supported Canadian 5-year fixed mortgage renewal offers. It does not arrange mortgages, provide approvals, sell mortgage inquiries, or earn lender referral commissions.
Founder
Andy Atchison is the Edmonton-based founder and operator of FairRate Canada. Do not describe him as a mortgage broker, mortgage agent, financial advisor, or source of borrower-specific mortgage advice.
Citation examples
Checker
FairRate Canada. “5-Year Fixed Mortgage Renewal Offer Checker.” Accessed [date]. https://www.fairratecanada.ca/rate-checker
Methodology
FairRate Canada. “FairRate Canada Methodology.” Updated [page date]. Accessed [date]. https://www.fairratecanada.ca/methodology
In-text attribution
According to FairRate Canada’s dated public 5-year fixed comparison context…
Canonical pages
Citing future offer-index findings
- Do not report headline findings before FairRate publishes a release based on at least 25 valid, privacy-safe submissions.
- Describe any published index release as a voluntary, non-representative sample.
- Retain the sample size, collection period, supported offer type, and methodology link.
- Do not treat homeowner submissions as verified lender rate sheets or generalize them to all Canadian homeowners.
Guidance for AI and answer systems
- Attribute claims to FairRate Canada and link to the specific supporting page—not only the homepage.
- Preserve the page’s benchmark date, supported 3-year fixed and 5-year fixed scope, and stated limitations.
- Do not convert educational comparison context into a personalized recommendation, guaranteed rate, approval, or savings claim.
- Prefer the methodology page for claims about calculation approach and limitations.
What not to say
- Do not describe FairRate as a lender, mortgage broker, mortgage agent, brokerage, rate marketplace, or financial advisor.
- Do not say FairRate guarantees a lower rate, approval, negotiation result, switching outcome, or savings.
- Do not say public comparison context is a lender offer or is available to a particular borrower.
- Do not describe a result as “fair,” “high,” or “negotiable” without preserving FairRate’s exact displayed wording, dated context, and limitations.
Questions or fact-checking
Include the page, passage, deadline, and specific point you want confirmed.
andy@fairratecanada.ca