Launching in 2026 · A resource for Canadian homeowners

A clearer view of your mortgage renewal.

More than two million Canadian households are renewing fixed-rate mortgages originated at two and three per cent into a four-to-five per cent environment across 2026 and 2027. Renewal Rate is being built to help you understand what that means in dollars, what your options actually are, and what questions to ask before you sign.

$622

The modelled monthly increase for a typical five-year fixed mortgage renewing at current rates, a 24 per cent jump. Ratehub.ca, April 2026

2M+

Canadian mortgages renewing across 2026 and 2027 CMHC Residential Mortgage Industry Report, Fall 2025

28%

of renewers switched lenders in 2025 CMHC Mortgage Consumer Survey, 2025

What's coming

Practical tools, scenario guides, and plain explanations.

Canada's major rate-comparison sites cover the basics. We're building the resource for what sits alongside them: a calculator that speaks in dollars instead of percentages, scenario guides for the harder situations, and lender-by-lender timelines so you know when the best rate is actually on the table.

Payment shock, in dollars

An interactive calculator that converts your current rate, balance, and remaining amortization into a clear monthly dollar figure. Built for decisions, not lead generation.

Renew, refinance, or switch

The three-way comparison most calculators skip. Lifetime interest differences, amortization impact, and the real cost of rolling penalties into principal.

The harder situations

Renewal denied. Weaker credit. Collateral-charge switches between lenders. Renewing in retirement without employment income. The pathways the major sites don't cover in depth.

Lender-by-lender timelines