Independent mortgage renewal tools for Canadian finance publishers, creators, and educators.
FairRate provides educational tools that help Canadian borrowers understand renewal offers before they sign. Partners can reference public FairRate pages, embed the calculator, and cite anonymous aggregate examples with clear attribution.
Disclosure for partners
FairRate is an independent educational mortgage renewal rate-checking tool, free for borrowers. FairRate is not a mortgage broker, lender, law firm, or financial advisor and does not arrange mortgages. If a borrower chooses to be introduced to a mortgage broker, FairRate may earn a referral fee.
Creators
Explain renewal letters, rate gaps, payment shock, and before-you-sign decisions with neutral educational tools.
Publishers
Reference public, anonymous renewal-offer examples for consumer finance reporting and homeowner education.
Educators
Embed the calculator or link to a neutral checklist before homeowners respond to a lender offer.
New: embed the renewal offer checker
A lightweight version of the FairRate checker for planners and finance blogs. Readers enter a 3- or 5-year fixed renewal offer and see whether it looks fair against current public market context. Free, one iframe snippet, no cookies or email capture inside your page.
Get the checker widget →Embeddable renewal gap calculator
The calculator helps borrowers translate a renewal rate difference into an estimated dollar cost. It is educational and links back to FairRate for borrowers who want a fuller report.
<iframe src="https://www.fairratecanada.ca/ca/renewal-gap-calculator/embed" width="100%" height="620" frameborder="0" style="border-radius:12px; max-width:640px;" title="Canadian Mortgage Renewal Gap Calculator — Powered by FairRate" ></iframe>
Suggested citation language
“FairRate is a free Canadian mortgage renewal rate-checking tool. Its renewal tools compare a borrower’s quoted rate against benchmark context and estimate the possible cost of a rate gap.”
Partner-ready FairRate assets
Anonymous examples of Canadian renewal offers by lender, term, province, and balance range.
A free tool that helps borrowers read a renewal letter before signing.
An embeddable calculator that estimates the cost of a renewal rate gap.
A practical guide to checking whether a Canadian renewal offer looks fair.
Use the public tracker first.
The renewal-offer tracker is the safest starting point for citing FairRate examples because it is public, anonymized, and clearly framed as educational context.
View renewal-offer tracker →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.