Free mortgage renewal check

Your mortgage renews soon. See your new payment in 30 seconds.

Enter your numbers and the answer appears right away. No sign-up.

Mortgage balance at renewal ($)

Renewal date

Your current rate (%)

Years left to pay off

City

Latest published rate: 6.19%, the 5-year conventional mortgage rate from the Bank of Canada, dated Nov 4, 2026. This is a posted rate, and the offer a lender makes you can differ from it.

Rate for the new payment (%)

Filled in with the latest published rate. Change it if a lender has quoted you a rate.

Your new payment appears here once your balance, current rate and remaining years are filled in.

New monthly payment

Payment at your current rate

Change

Example only, not a forecast

Rate	Monthly payment	Change a month

The table takes the rate above and subtracts or adds 0.5 points, to show how much the payment moves with a small change in the rate.

Payments are monthly, with interest compounded twice a year, as is usual for fixed-rate mortgages in Canada. Your current payment is worked out from the same balance and years, so it can differ a little from your statement. This is an estimate, not a mortgage offer.

Save this and remind me

Create a free account and we keep this check. Tick the box and we also e-mail you about 120 days before your renewal date.

Free to register. Paid plans 45, 99 and 199 a month in Canadian dollars.

Your numbers stay in your browser until you press the button. They are then held for 3 days so you can finish signing up, and deleted if you do not.

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