Build Canada's renewal-offer dataset

Contribute the 5-year fixed renewal offer you actually received.

FairRate is building an independent dataset of real Canadian 5-year fixed mortgage renewal offers so consumers can eventually see more than advertised rates.

The form does not ask for your name or email. Do not include personal identifiers, account numbers, street addresses or confidential lender information.

No contact details

No name, email or phone requested.

Aggregate research

Individual submissions are not presented as representative findings.

Threshold protected

Findings remain withheld until minimum sample rules are met.

Before you submit

Remove your name, address, mortgage account number, SIN, lender login details, phone number, email address, employer or other identifying details. Do not upload documents here.

Before you start

Have your 5-year fixed renewal offer rate, the comparison rate and date you used, approximate balance, and remaining amortization ready. Most contributions take about two minutes.

Missing a comparison rate? Run the free checker first.

Province or territoryCurrent lenderUsed only as a research category so aggregate lender-level patterns can be studied once sample thresholds are met.5-year fixed renewal offer rateEnter the rate offered by your current lender.Comparison rate usedUse the public comparison shown by FairRate or another dated source.Comparison dateApproximate remaining balanceAn estimate is sufficient. It is converted to a broad band before storage.Remaining amortizationOffer statusRenewal timingMortgage insurance context

No name, email address, street address, lender account number, credit score, income, IP address, or exact property information is requested. The exact balance is converted into a broad band before storage.

What happens to the data?

Valid submissions are added to the same rolling research sample shown in the Mortgage Renewal Offer Index. Aggregate findings remain withheld until the published minimum-sample rules are met. A single submission does not become a public benchmark or lender claim.

See the Renewal Offer Index Privacy policy

Want to check your own offer first?

The free checker compares a supported Canadian 5-year fixed renewal offer with current public comparison context before you sign.

Check My Renewal Offer — Free →

FairRate Canada is an independent consumer-paid 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, approve credit, or sell mortgage inquiries to lenders or brokers. 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.