Your bank's renewal offer is rarely their best one.
Two-minute check against today's actual lender rates. No email until the end.
30+
lenders
Free
no fee to you
2 min
to your grade
How it works
1
Enter your details
Rate, balance, lender, renewal date.
2
Get your grade
A+ to F, against today's rates.
3
Take it from there
Report card, renewal reminder, or nothing at all.
Canada right now
Why this matters today
📉
Prices off their peak
More supply, less competition. Buyers and renewers both have leverage they did not have in 2022.
↓ from peak
⏰
The 2021 renewal wave is here
Locked in at 1.7% four years ago? The next letter will be a shock. Run the math first.
2026
Two minutes. On your phone.
Free, private. You will know if you are overpaying before your coffee is cold.
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GradeMyMortgage.ca Mortgage analysis by Ronald Quaroni, Vibe Mortgage. Data encrypted and stored in Canada. Ronald Quaroni, Licence 512150 · Vibe Mortgage, Licence 514727 A tool by GradeMyMortgage.ca Your data is encrypted, stored in Canada, and never shared with third parties.