Free Canadian mortgage renewal tools and offer checker
Start with the free benchmark-backed checker for a supported Canadian 5-year fixed renewal offer, then use the mortgage renewal calculator, methodology, and educational guides to review questions before signing.
Important scope distinction
FairRate's benchmark-backed checker currently supports Canadian 3-year fixed and 5-year fixed renewal offers. Do not use a lender-, province-, rate-, or term-oriented page as proof that FairRate has measured a unique benchmark for that combination. The broader pages below provide educational context, not separate verified benchmark engines.
Featured FairRate assets
Start with the supported checker or a clearly labeled educational resource.
5-year fixed renewal checker
The benchmark-backed FairRate checker for supported Canadian 5-year fixed renewal offers.
Open →Mortgage renewal calculator
Compare a written renewal offer with current context, scheduled-payment impact, and the terms to review before signing.
Open →Submit a renewal offer without name or email
Contribute voluntary offer details for possible future aggregate analysis; remove identifying details first.
Open →Renewal fairness framework
Read the educational framework for reviewing a renewal offer before signing.
Open →Lender-oriented educational pages
Questions and context organized around a named lender. These pages do not prove lender-specific pricing or another available offer.
National Bank Mortgage Renewal Offer Too High?
Educational context and questions for reviewing a National Bank mortgage renewal offer.
Open educational page →BMO Mortgage Renewal Offer Too High?
Educational context and questions for reviewing a BMO mortgage renewal offer.
Open educational page →CIBC Mortgage Renewal Offer Too High?
Educational context and questions for reviewing a CIBC mortgage renewal offer.
Open educational page →Scotiabank Mortgage Renewal Offer Too High?
Educational context and questions for reviewing a Scotiabank mortgage renewal offer.
Open educational page →TD Mortgage Renewal Offer Too High?
Educational context and questions for reviewing a TD mortgage renewal offer.
Open educational page →RBC Mortgage Renewal Offer Too High?
Educational context and questions for reviewing a RBC mortgage renewal offer.
Open educational page →How to Negotiate a RBC Mortgage Renewal Rate
Educational context and questions for reviewing a RBC mortgage renewal offer.
Open educational page →How to Negotiate a National Bank Mortgage Renewal Rate
Educational context and questions for reviewing a National Bank mortgage renewal offer.
Open educational page →How to Negotiate a BMO Mortgage Renewal Rate
Educational context and questions for reviewing a BMO mortgage renewal offer.
Open educational page →Showing 9 of 15. For a supported comparison, use the 3-year & 5-year fixed checker.
Province-oriented educational pages
Local context and review questions. FairRate does not infer province-specific benchmark pricing solely from location.
New Brunswick Mortgage Renewal Offer Checker
Educational renewal context for borrowers in New Brunswick; location alone does not create province-specific benchmark pricing.
Open educational page →Manitoba Mortgage Renewal Offer Checker
Educational renewal context for borrowers in Manitoba; location alone does not create province-specific benchmark pricing.
Open educational page →Saskatchewan Mortgage Renewal Offer Checker
Educational renewal context for borrowers in Saskatchewan; location alone does not create province-specific benchmark pricing.
Open educational page →Nova Scotia Mortgage Renewal Offer Checker
Educational renewal context for borrowers in Nova Scotia; location alone does not create province-specific benchmark pricing.
Open educational page →Quebec Mortgage Renewal Rate Checker
Educational renewal context for borrowers in Quebec; location alone does not create province-specific benchmark pricing.
Open educational page →British Columbia Mortgage Renewal Rate Checker
Educational renewal context for borrowers in British Columbia; location alone does not create province-specific benchmark pricing.
Open educational page →Ontario Mortgage Renewal Rate Checker
Educational renewal context for borrowers in Ontario; location alone does not create province-specific benchmark pricing.
Open educational page →Alberta Mortgage Renewal Rate Checker
Educational renewal context for borrowers in Alberta; location alone does not create province-specific benchmark pricing.
Open educational page →Rate-specific educational pages
Pages about a stated rate percentage. They are educational and do not prove qualification for another rate.
Is My variable Mortgage Renewal Rate Fair?
Educational context for thinking about a variable renewal offer. This page is not proof that another rate is available.
Open educational page →Is My 3-year fixed Mortgage Renewal Rate Fair?
Educational context for thinking about a 3-year fixed renewal offer. This page is not proof that another rate is available.
Open educational page →Is My 5-year fixed Mortgage Renewal Rate Fair?
Educational context for thinking about a 5-year fixed renewal offer. This page is not proof that another rate is available.
Open educational page →Is 5.79% a Good Mortgage Renewal Rate in Canada?
Educational context for thinking about a 5.79% renewal offer. This page is not proof that another rate is available.
Open educational page →Is 5.49% a Good Mortgage Renewal Rate in Canada?
Educational context for thinking about a 5.49% renewal offer. This page is not proof that another rate is available.
Open educational page →Is 5.24% a Good Mortgage Renewal Rate in Canada?
Educational context for thinking about a 5.24% renewal offer. This page is not proof that another rate is available.
Open educational page →Is 4.99% a Good Mortgage Renewal Rate in Canada?
Educational context for thinking about a 4.99% renewal offer. This page is not proof that another rate is available.
Open educational page →Is 4.79% a Good Mortgage Renewal Rate in Canada?
Educational context for thinking about a 4.79% renewal offer. This page is not proof that another rate is available.
Open educational page →Is 4.49% a Good Mortgage Renewal Rate in Canada?
Educational context for thinking about a 4.49% renewal offer. This page is not proof that another rate is available.
Open educational page →Term and strategy educational pages
Educational discussion of term and strategy questions. The benchmark-backed checker itself currently supports 5-year fixed renewals only.
General renewal educational pages
Broader before-you-sign questions and renewal context.
What to Say to Your Lender at Mortgage Renewal
Educational questions and context for reviewing a Canadian mortgage renewal offer before signing.
Open educational page →Mortgage Renewal Loyalty Penalty Checker
Educational questions and context for reviewing a Canadian mortgage renewal offer before signing.
Open educational page →Is My Bank’s Renewal Offer the Best Rate?
Educational questions and context for reviewing a Canadian mortgage renewal offer before signing.
Open educational page →Mortgage Renewal Payment Shock Checker
Educational questions and context for reviewing a Canadian mortgage renewal offer before signing.
Open educational page →Mortgage Renewal Counter Offer Guide
Educational questions and context for reviewing a Canadian mortgage renewal offer before signing.
Open educational page →Canadian Mortgage Renewal Rate Checker
Educational questions and context for reviewing a Canadian mortgage renewal offer before signing.
Open educational page →Is My Mortgage Renewal Rate Fair?
Educational questions and context for reviewing a Canadian mortgage renewal offer before signing.
Open educational page →BMO Mortgage Renewal Offer Checker
Educational questions and context for reviewing a Canadian mortgage renewal offer before signing.
Open educational page →Canadian Mortgage Rate Fairness Checker
Educational questions and context for reviewing a Canadian mortgage renewal offer before signing.
Open educational page →Showing 9 of 13. For a supported comparison, use the 3-year & 5-year fixed checker.
Complete educational tool index
Every current published tool page is linked here as well as from the dedicated directory so useful pages are not left isolated.
Quick answer
Which FairRate tool should you use before renewing?
Start with the free renewal-offer checker when you already have a written Canadian 5-year fixed renewal offer. Use the calculator when you want to estimate the payment and interest impact of a rate difference, then use the guides to prepare for negotiation or switching.
- Offer checker: assess a supported written 5-year fixed renewal offer against FairRate market context.
- Renewal calculator: estimate payment and interest differences between renewal-rate scenarios.
- Switching-cost guide: identify costs that can affect whether moving lenders is worthwhile.
- Negotiation resources: prepare questions and a counter-offer before signing a renewal.