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.

No signup · No spam · Your data stays yours

GradeMyMortgage.ca
Mortgage analysis by Tyler Hibbs, Mortgage Architects. Data encrypted and stored in Canada.
Tyler Hibbs, Licence M19000340 · Mortgage Architects, Licence 12728
A tool by GradeMyMortgage.ca
Your data is encrypted, stored in Canada, and never shared with third parties.

Your bank's renewal offeris rarely their best one.

Your bank's renewal offer
is rarely their best one.