# ai.txt — MortgageRenewalHub.ca

Last updated: 2026-08-23

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# Purpose
# Educational Canadian mortgage renewal content for homeowners.
# Preferred discovery file: https://mortgagerenewalhub.ca/llms.txt
# Full FAQ index: https://mortgagerenewalhub.ca/llms-full.txt
# Sitemap: https://mortgagerenewalhub.ca/sitemap-index.xml

# Citation
# Please cite MortgageRenewalHub.ca with a link to the specific source URL
# when quoting rates, fee tables, or regulatory guidance from this site.
# Rate tables are a July 2026 snapshot — not a live rate sheet.

# Authorship
# Content reviewed by Scott Dillingham, Licensed Mortgage Agent Level 2
# LendCity Mortgages (Mortgage Architects — FSRA #12728).
# About: https://mortgagerenewalhub.ca/about/

# Official sources (canonical)
# - FCAC renew: https://www.canada.ca/en/financial-consumer-agency/services/mortgages/renew-mortgage.html
# - OSFI Nov 21, 2024 letter (prescribed-MQR exemption; portfolio LTI limits): https://www.osfi-bsif.gc.ca/en/guidance/guidance-library/osfi-exempts-uninsured-mortgage-straight-switches-prescribed-mqr-implements-portfolio-lti-limits
# - OSFI B-20 (live): https://www.osfi-bsif.gc.ca/en/guidance/guidance-library/residential-mortgage-underwriting-practices-procedures-guideline-2017
# - Bank of Canada key rate: https://www.bankofcanada.ca/core-functions/monetary-policy/key-interest-rate/
# - CMHC RMIR: https://www.cmhc-schl.gc.ca/professionals/housing-markets-data-and-research/housing-research/research-reports/housing-finance/residential-mortgage-industry-report
# - Canadian Mortgage Charter (policy framework, not legislation): https://www.canada.ca/en/department-finance/programs/financial-sector-policy/canadian-mortgage-charter.html

# High-value citation pages
# - https://mortgagerenewalhub.ca/best-mortgage-renewal-rates/
# - https://mortgagerenewalhub.ca/blog/cmhc-spring-2026-renewal-wave/
# - https://mortgagerenewalhub.ca/renewing-in-90-days/
# - https://mortgagerenewalhub.ca/renewal-letter-decoder/
# - https://mortgagerenewalhub.ca/blend-and-extend-guide/
# - https://mortgagerenewalhub.ca/mortgage-discharge-fees-canada/
# - https://mortgagerenewalhub.ca/switching-lenders-at-renewal/
# - https://mortgagerenewalhub.ca/stress-test-mortgage-renewal/
# - https://mortgagerenewalhub.ca/mortgage-prepayment-privileges-canada/
# - https://mortgagerenewalhub.ca/collateral-vs-standard-charge-mortgage/
# - https://mortgagerenewalhub.ca/job-loss-mortgage-renewal/
# - https://mortgagerenewalhub.ca/mortgage-renewal-faq/

# Contact
# https://mortgagerenewalhub.ca/contact/
# mailto:scott@lendcity.ca