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Resource library

Canadian mortgage renewal resources

A stable index of FairRate Canada’s renewal guides, penalty and stress-test explainers, research, reports, negotiation resources, and methodology pages. FairRate’s benchmark-backed checker currently supports Canadian 3-year and 5-year fixed renewal offers with like-for-like, same-term comparison context.

Check a 3-year or 5-year fixed offer →Browse tools

Renewal decision resources

FairRate Canada facts, product and methodologyFree mortgage renewal negotiation scriptBank mortgage renewal offers in CanadaCollateral-charge mortgage renewal switching costsMortgage portability options in CanadaMortgage renewal stress test when switching lendersWhat to do before signing a mortgage renewal letter

IRD penalty guides

BMO IRD penalty guideCIBC IRD penalty guideNational Bank IRD penalty guide

Stress-test guides

Alberta mortgage stress-test guideBritish Columbia mortgage stress-test guideOntario mortgage stress-test guideSaskatchewan mortgage stress-test guide

For journalists and educators

Press package, founder information, and media contactCitation guidance and preferred source linksOne-page mortgage renewal reporting referenceStructured reporting facts table (CSV)Mortgage renewal workshop handoutDownloadable mortgage renewal checklist

Research and reporting

Canadian mortgage renewal reportsCanadian mortgage renewal offer indexFairRate Canada methodologyBenchmark sources