Jay Klair — Mortgage Renewal Expert
Independent, FSRA-licensed mortgage agent helping Ontario homeowners renew, refinance and switch mortgages across 70+ Canadian lenders — the Big 6 banks, credit unions, monolines and niche lenders.
- Designation
- Mortgage Agent Level 2
- Licence
- M09000869
- Brokerage
- Real Mortgage Associates · FSRA #10464
- Part of
- DLGC Group of Companies
About Jay
Jay Klair is a licensed Ontario mortgage agent with over 15 years of experience in Canadian residential mortgages. He has personally advised Ontario homeowners on renewals, refinances, purchases and switches — with a particular focus on renewal strategy: the single most expensive financial decision most Canadians make every five years.
Jay holds a Mortgage Agent Level 2 designation (Licence M09000869) and is licensed by the Financial Services Regulatory Authority of Ontario (FSRA). He works with Real Mortgage Associates (FSRA #10464), part of the DLGC Group of Companies, one of the largest independent mortgage brokerages in Canada.
Because Jay is a broker — not a bank employee — he has no lender quotas and no incentive to place any particular lender's product. His clients see quotes from the Big 6 banks, credit unions, monoline lenders (MCAP, First National, Strive), and alternative (B) lenders when required — the same lender panel a large institutional borrower would see.
Jay built YourMortgageRenewalCalculator.com because he was tired of watching Canadian homeowners sign the first rate on their renewal letter, quietly costing themselves five figures over the term. Every calculator, guide and Fairness Score on this site is free, requires no login, and keeps your data in your browser unless you explicitly request a review.
Areas of expertise
- Mortgage renewals and lender switches
- Refinances and equity take-outs
- Self-employed and business-for-self borrowers
- New-to-Canada permanent residents
- Rental and investment properties
- Spousal buyouts and separation refinances
- Bruised-credit and alternative (B-lender) placement
- Reverse mortgages and retirement lending
Types of borrowers Jay helps
- First-time renewers coming off their original 5-year fixed
- Self-employed and incorporated professionals
- Newcomers to Canada renewing their first mortgage
- Retirees on pension, CPP/OAS or RRIF income
- Investors with 1–10 rental properties
- Homeowners going through separation or divorce
All of Ontario — with the majority of clients in the GTA, Peel, Halton, Hamilton, Waterloo and Ottawa regions.
Verified professional profiles
Jay's identity, licence and brokerage affiliation can be independently verified through the sources below.
How content on this site is researched and reviewed
Every calculator, guide, glossary term, question and situation page on YourMortgageRenewalCalculator.com is written or personally reviewed by Jay Klair — a currently-licensed FSRA mortgage agent — before it goes live and again at every quarterly review cycle.
Rate, regulation, and policy claims are sourced from primary Canadian regulators and market data providers, including:
- Bank of Canada — overnight rate, prime rate, and market-rate context
- OSFI (Office of the Superintendent of Financial Institutions) — Guideline B-20 stress test rules
- CMHC, Sagen, and Canada Guaranty — insured mortgage rules and program limits
- FSRA — Ontario licensing and brokerage regulation
- Each lender's public rate sheet, renewal disclosure and product documentation for lender-specific claims
We do not publish rates, savings figures, or lender-specific claims without a verifiable source. Anonymized examples are clearly labelled as representative — not actual client files — unless drawn from aggregated, de-identified data explicitly published in a report on this site.
We correct errors publicly. If you spot one, email jay@jayklair.com and we will update the page and note the correction date.
Financial content receives heightened scrutiny because it can affect readers' financial stability. We follow Google's guidance for Your Money Your Life (YMYL) content: clear authorship, demonstrable expertise, verifiable credentials, and transparent sourcing on every page.
Want Jay to review your renewal personally?
Free, no-obligation review from a FSRA-licensed mortgage agent. Reply within one business day.
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