Independent renewal advice — not another bank.
YourMortgageRenewalCalculator.com exists because most Canadians renew their mortgage with the first offer their bank sends. That single decision quietly costs Canadian households billions of dollars a year.
This site is built and maintained by Jay Klair, a licensed mortgage agent with Real Mortgage Associates (FSRA #10464), part of the DLGC Group of Companies. Jay has spent his career helping Canadian homeowners find better mortgage outcomes than their bank's first offer.
The calculator, guides, and Fairness Score on this site are free. There is no login, no email required to use them, and no data leaves your browser unless you explicitly request a Free Renewal Review.
If you'd like a personal, no-obligation review of your renewal offer, use the Free Renewal Review form. Jay reads every submission personally.
Jay Klair, Mortgage Agent Level 2 (M09000869) — Real Mortgage Associates, FSRA #10464, part of the DLGC Group of Companies · 5675 Whittle Rd, Suite 100, Mississauga, ON L4Z 3P8