Terms of Use

Last updated: July 10, 2026.

The information on YourMortgageRenewalCalculator.com is provided for educational purposes only and does not constitute financial, legal, tax, or investment advice. Every mortgage situation is different — please consult with a licensed mortgage professional before making financial decisions.

Calculator disclaimer

The mortgage renewal calculator provides estimates using standard Canadian semi-annual compounding. Actual payments depend on your specific lender's terms, your credit qualification, insurance premiums, and other factors. Rates displayed are illustrative and do not represent an offer of credit.

No guarantee

While we strive for accuracy, we make no warranty that the information on this site is error-free or up to date. Canadian mortgage rules, rates, and OSFI regulations change over time.

Limitation of liability

YourMortgageRenewalCalculator.com, Real Mortgage Associates, and Jay Klair are not liable for any losses, damages, or costs arising from decisions made using information on this site.