Mortgage Renewal OS™
Canada's Independent Mortgage Renewal Workspace
Start Your Renewal Review
Organize your renewal, understand the offer, and leave with a clear Renewal Action Plan.
Use your renewal letter as your starting point. You will enter the details manually.
Start with what you have
Use your renewal letter if you have it. Otherwise, begin with what you know.
Welcome back
Continue your Renewal Review from where you left off.
Current step: Start
Next action: Add your current mortgage details.
Last updated: Not saved yet
Saved data remains in this browser and is not synced across devices.
We could not reopen the saved review.
The saved data in this browser may be incomplete or from an older version. You can start a new Renewal Review or delete the saved data.
Step 1 of 8 Start
Next: Mortgage
Step 1 of 8
Start
Where do I begin?
Begin or resume the Renewal Review.
Step deliverable
Active Renewal Review
Start with what you know. The workspace will keep the next step clear.
Minimum Decision Context
Add your current mortgage details
Add what you know. Unknown is allowed.
Use the renewal date from your letter if you have it. If not, mark it as something to check later.
Choose an approximate balance or type your own amount. This does not calculate a payment in this step.
Enter your current regular payment if available. You can leave it unknown and continue.
Choose the frequency shown on your current mortgage or renewal letter.
Choose the closest remaining amortization. If you are unsure, mark it as something to check later.
Enter the rate on your current mortgage if you know it. This step stores context only and does not calculate renewal payment.
Mortgage Profile summary
Mortgage profile not started.
- No mortgage profile details saved yet.
Mortgage Profile details are saved only in this browser when you choose to save. Do not save mortgage information on a shared or public device.
Offer Understanding
Add your renewal offer details
Capture what your lender is offering before analysis begins.
Enter the lender or offer label shown in your renewal letter, portal, email, or notes.
Enter the rate presented by the lender. This step records the offer only and does not calculate a payment.
Choose the rate type shown in the offer if it is clear.
Choose the term shown in the offer. Most renewal offers use one of these standard terms.
Record the payment amount shown by the lender. This is not a calculated estimate from Mortgage Renewal OS™.
Choose the payment frequency shown in the renewal offer.
Choose the closest amortization shown by the lender, even if it differs from your Mortgage Profile.
Use the renewal date shown in the offer if available. Differences from your Mortgage Profile can be confirmed later.
Enter the deadline for accepting the offer if the lender provides one.
Identify where the offer came from so you can recognize it later.
Add a brief note about this offer. Do not include account numbers, SIN, property address, or login details.
Renewal Offer summary
Renewal Offer not started.
- No renewal offer details saved yet.
Information Confidence
Not enough information yet
Save your renewal offer details to review information confidence.
- Add your renewal offer details to review information confidence.
Renewal Offer details are saved only in this browser when you choose to save. Do not save lender offer information on a shared or public device.
Decision Preparation
Review your information confidence
See what is clear and what should be confirmed.
Information Confidence
Not enough information yet
Add your renewal offer details to review information confidence.
- Add your renewal offer details to review information confidence.
Details to Confirm
No details reviewed yet
- Save your renewal offer details to see what may need confirmation.
Renewal Timing
Timing tasks ready after offer details are saved.
- Review your offer details first.
Information Confidence helps you prepare. It does not judge offer quality, affordability, approval, lender suitability, or whether you should accept the offer.
Questions to Ask
Prepare your lender questions
Turn unclear details into practical lender questions.
Prepared Questions
- Save your renewal offer details to generate questions.
Payment Analysis
Renewal Shock Calculator
Estimate the new payment, then see the monthly and annual impact.
Decision assistant
Add the key numbers to unlock your estimate.Start with the balance, renewal rate, and remaining amortization. Frequency can stay monthly if you are unsure.
Choose an approximate balance or type your own amount. This estimate depends on the number entered.
Use the rate you want to test. This may be the lender offer rate or a scenario rate.
Choose the closest remaining amortization. This is easier than converting months into decimals.
Choose the payment frequency for the estimate.
Optional. Add your current payment if you want to see the estimated change.
Renewal Shock Result
Enter payment details to view an estimate.
The estimated payment change will appear after calculation if a current payment is available.
Renewal shock impact will appear here.
What affects this estimate
- The estimate depends on the balance, rate, amortization, and payment frequency entered.
Continue the Renewal Review
Let's make sure this renewal really makes sense.
Use the estimate as a starting point. Build the plan behind it.
Renewal Shock Calculator details are saved only in this browser when you choose to save. Do not save mortgage information on a shared or public device.
Renewal Action Plan
Review your personalized renewal plan
Your review turns into a practical lender conversation plan.
Plan readiness
Action Plan not ready yet.
Complete earlier steps to build a useful Renewal Action Plan.
Current renewal situation
- Add your current mortgage details to summarize what you are renewing.
Payment understanding
- Create a payment estimate to summarize the expected payment impact and assumptions.
Information confirmed
- Add your renewal offer details to identify what information appears clear.
Outstanding questions
- Review Information Confidence to prepare lender questions.
Timeline
- Add or confirm the renewal date to make the timeline more useful.
Next recommended homeowner actions
- Complete the review steps to see practical next actions.
Your Renewal Action Plan is generated in this browser from the information you entered. It is not financial advice, a lender recommendation, or a guarantee of savings or approval.
Decision Confidence
Your decision confidence will increase as important renewal details are confirmed. This is not a score and does not assess approval, affordability, or financial suitability.
- Confirm the offer expiry date.
- Confirm penalty wording and prepayment privileges.
- Confirm whether fees or cashback conditions apply.
No account required. Saved work stays in this browser when you choose to save it. Do not save mortgage information on a shared or public device.
Your first step
Start with the mortgage details you know.
You do not need to complete everything at once. Begin with one useful step, then the workspace will expand as your Renewal Review takes shape.
Mortgage Renewal OS™
Canada's Independent Mortgage Renewal Workspace
Renewal Overview
Continue your Renewal Review from one place. Your workspace keeps the current step, next action, reusable deliverables, and local save controls together so you can continue instead of restart.
Workspace Memory
Where you left off
- Current step
- Start
- Next action
- Add your current mortgage details.
- Last updated
- Not saved yet
Workspace Health
Not started
Start the Renewal Review to organize your mortgage renewal information. This status describes workspace readiness only. It is not a score, approval assessment, lender recommendation, or financial advice.
Current Progress
Step 1 of 8
0 completed / 0 skipped
Next: Add your current mortgage details.
What's Changed Since Your Last Visit
Your workspace memory is ready.
No saved updates yet. Once you save progress, this area will point you back to the most useful next action.
Mortgage Profile
Current mortgage context
Mortgage profile not started.
- Add your current mortgage details in the Mortgage step.
Renewal Offer
What your lender is offering
Renewal Offer not started.
- Add your lender offer details in the Offer step.
Decision Preparation
Information confidence and next confirmations
Preparation has not started yet.
Information Confidence
Not enough information yet
Add your renewal offer details to review information confidence.
Details to Confirm
No details reviewed yet.
Questions Prepared
No questions prepared yet.
Renewal Timing
Timing tasks ready after offer details are saved.
Payment Analysis
Estimated payment and assumptions
Payment Analysis not started.
- Create a payment estimate to see the assumptions that affect the number.
Renewal Action Plan
Your final take-away
Action Plan not ready yet.
- Complete earlier steps to build a useful Renewal Action Plan.
Renewal Review
Your review will unfold step by step.
Start with one useful action. More sections become visible as they become relevant to your renewal decision. One continuous review environment grows as you make progress.
Start
Where do I begin?
Begin or resume the Renewal Review.
Step deliverable
Active Renewal Review
Mortgage
What am I renewing?
Capture the current mortgage facts you know.
Step deliverable
Mortgage profile summary
Offer
What is the lender offering?
Capture written renewal offer details.
Step deliverable
Renewal offer summary
Information Confidence
What do I still need to confirm?
Review which offer details are clear, unavailable, or worth confirming before analysis.
Step deliverable
Information confidence summary
Questions
What should I ask next?
Prepare lender questions and timing prompts.
Step deliverable
Lender question list
Payment
How might my payment change?
Use entered information to prepare for payment-change analysis.
Step deliverable
Payment-change summary
Review
What should I review before my plan?
Review the information, questions, and payment assumptions already prepared.
Step deliverable
Pre-plan review summary
Plan
What do I take away?
Summarize the completed review.
Step deliverable
Renewal Action Plan
Workspace Companion
Companion
Return anywhere without losing context.
Companion position
Current progress
Step 1 of 8 - Start
Already created
- No reusable deliverables yet.
Still to complete
- Mortgage profile summary
- Renewal offer summary
- Information confidence summary
- Lender question list
- Payment-change summary
- Pre-plan review summary
- Renewal Action Plan
Final take-away
Renewal Action Plan for your lender conversation.
Save State
Saved work stays in this browser.
No account is required. When you choose to save, this browser can store your journey progress plus Mortgage Profile and Renewal Offer details you enter. Do not save mortgage information on a shared or public device.