Mortgage Renewal OS™
Canada's Independent Mortgage Renewal Workspace
Estimate Your Renewal Payment
Estimate the payment, then decide whether to continue the full Renewal Review.
Start with the number. Continue when you want the plan behind it.
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 6 of 8 Payment
Next: Review
Step 6 of 8
Payment
How might my payment change?
Use entered information to prepare for payment-change analysis.
Step deliverable
Payment-change summary
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.