Canadian Mortgage Renewal Offer Tracker
FairRate is building a privacy-safe dataset of Canadian mortgage renewal offers. We will not publish lender comparisons, trends, or conclusions until the sample is large enough and the methodology supports them.
Current status
No verified aggregate findings are published yet.
We do not use example rows as if they were borrower submissions. Future reports will disclose sample size, collection dates, inclusion rules, methodology, and limitations.
Contribute a de-identified offer
Submit only the offer details needed for future aggregate analysis. Remove names, addresses, account numbers, property addresses, signatures, and other identifying information first.
Submit an offer safely →Publication standard
- ✓ Aggregate reporting only when the sample is sufficient
- ✓ No claims that submissions represent the Canadian market
- ✓ No guaranteed rate, qualification, approval, or savings claims
- ✓ Clear dates, methodology, sample size, and limitations
- ✓ No sale of borrower information to lenders or brokers
Want a second opinion before you sign?
This estimate is educational only. For a personalized review, order a FairRate Rate Fairness Report. We review your renewal offer, compare it against available market information, and explain whether the gap appears reasonable before you commit.
Already renewed? Share your anonymous renewal outcome.
Useful now
Important limitation: FairRate Canada is an independent 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, or approve credit. If you choose to be introduced to a mortgage broker, FairRate may earn a referral fee; we’ll always ask first, and your result never depends on it. The current benchmark-backed checker and paid benchmark reports support Canadian 3-year fixed and 5-year fixed renewal offers and use fresh public same-term fixed comparison context when a usable source is available. Variable-rate and unsupported terms should not be compared against these fixed-term references. 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.