FAIRRATE CANADA REPORTING REFERENCE — ONE PAGE
Checked: September 12, 2026

PURPOSE
A source-and-limitation sheet for journalists, editors, educators, and
researchers covering Canadian mortgage renewals.

TOPIC | SUPPORTABLE DESCRIPTION | SOURCE / REQUIRED LIMITATION

FairRate Canada
Independent, consumer-paid educational comparison and reporting product for
Canadian homeowners reviewing supported 3-year and 5-year fixed mortgage renewal offers.
Source: https://www.fairratecanada.ca/press
Limit: Not a lender, broker, mortgage agent, marketplace, law firm, financial
advisor, or underwriter.

Current product scope
The free checker and optional CA$24 and CA$49 written reports currently support
Canadian 3-year and 5-year fixed renewal offers.
Source: https://www.fairratecanada.ca/rate-checker
Limit: Variable-rate and other-term offers are outside the current checker scope;
comparisons must use the same supported term and product structure.

Public comparison context
FairRate places a homeowner's stated 3-year or 5-year fixed renewal offer beside
dated, same-term public Canadian comparison context when a usable source is available.
Source: https://www.fairratecanada.ca/methodology
Limit: Use the live value and "as of" date at publication time. It is not a
lender offer, approval, market-wide average, or guaranteed available rate.

Methodology version and reproducibility
Current published methodology version checked September 2, 2026:
2026-09-01.1.
Source: https://www.fairratecanada.ca/methodology
Reproduction guide: https://www.fairratecanada.ca/cite-fairrate
Limit: Record the methodology version, benchmark source, benchmark "as of"
date, retrieval time, and the same supported offer inputs used in the
comparison. A later methodology version or benchmark observation may produce a
different result.

Mortgage Renewal Offer Index
Valid rolling sample checked September 2, 2026: 0 / 25.
Published headline findings: withheld.
Source: https://www.fairratecanada.ca/research/mortgage-renewal-offer-index
Limit: The project is voluntary and non-representative. Do not infer a lender
ranking, national average, or lender rate sheet. The live index is the source
of truth if its count changes after this sheet's checked date.

Lender data provenance
Controlled lender categories began for new submissions on August 25, 2026.
Earlier valid rows without a lender category are excluded from lender-level
analysis; “Other lender / credit union” remains pooled. No lender-level finding
is published. Any future lender analysis must disclose eligible sample size,
collection period, category coverage, missing-lender count, threshold, and the
voluntary non-representative limitation.
Source: https://www.fairratecanada.ca/research/mortgage-renewal-offer-index

Why a written renewal offer merits review
A renewal decision includes the offered rate, term, scheduled payment,
amortization, fees, penalties, prepayment privileges, portability, restrictions,
deadline, and switching considerations.
FairRate source: https://www.fairratecanada.ca/guides/mortgage-renewal
Federal consumer source:
https://www.canada.ca/en/financial-consumer-agency/services/mortgages/renew-mortgage.html
Limit: Reviewing an offer does not prove another rate is available or prescribe
accepting, negotiating, or switching.

External CMHC renewal context
CMHC reported on May 20, 2026 that 35% of surveyed recent mortgage consumers
who had renewed said interest-rate changes increased their financial pressure,
with mortgage payments increasing by an average of CA$375 per month.
Source:
https://www.cmhc-schl.gc.ca/media-newsroom/news-releases/2026/cmhc-2026-mortgage-consumer-survey
Limit: External CMHC survey context, not FairRate proprietary data. January 2026
survey of more than 4,100 recent mortgage consumers who had renewed, refinanced,
or purchased in the prior 18 months; the release does not state the renewal-only
subsample size. Do not generalize this subgroup result to all homeowners.

Business model and independence
Free initial checker; optional consumer-paid CA$24 and CA$49 reports. FairRate
does not arrange mortgages, sell mortgage inquiries, or earn lender referral
commissions in the current report flow.
Source: https://www.fairratecanada.ca/why-independent

APPROVED ONE-SENTENCE DESCRIPTION
FairRate Canada is an independent, consumer-paid resource that helps Canadian
homeowners place a supported 3-year or 5-year fixed mortgage renewal offer beside
dated, same-term public market context before signing.

SOURCE ORDER FOR DEADLINE WORK
1. Live methodology and date: https://www.fairratecanada.ca/methodology
2. Live Offer Index status:
   https://www.fairratecanada.ca/research/mortgage-renewal-offer-index
3. Full media kit: https://www.fairratecanada.ca/press
4. Citation guidance: https://www.fairratecanada.ca/cite-fairrate
5. Fictional Canadian sample:
   https://www.fairratecanada.ca/sample-renewal-report

MEDIA CONTACT
Andy Atchison, founder and operator
andy@fairratecanada.ca
Edmonton, Alberta, Canada

DISCLOSURE
FairRate Canada provides educational comparison context. It does not guarantee
another rate, approval, savings, or a particular decision outcome.