Editorial Standards — Mortgage Renewal Hub

How MortgageRenewalHub.ca writes, reviews and updates its Canadian mortgage renewal content: who reviews it, which sources it relies on, how rates are labelled, and how to report a correction.

Who we are

MortgageRenewalHub.ca is the renewal desk of LendCity Mortgages, a licensed mortgage brokerage operating under Mortgage Architects (FSRA #12728). We arrange financing and do not lend. The content is educational and is not an offer, a commitment to lend, or legal or tax advice.

Who writes and reviews content

Guides, calculators and lender pages are reviewed by Scott Dillingham, Licensed Mortgage Agent (Ontario, Level 2). The "Reviewed by" line on each article carries the date of its last real edit. Read more about who we are.

Sources and fact-checking

Time-sensitive claims point to primary sources: the Bank of Canada (policy rate and announcement dates), OSFI (Guideline B-20 and the November 2024 straight-switch exemption), CMHC (mortgage insurance and market reports) and the Financial Consumer Agency of Canada (renewal rights). Lender-specific details come from the lender's own published pages. Related reading on this site: the Canadian Mortgage Charter and how FCAC and OBSI complaints work.

How we label rates

Rate tables on this site are dated sample comparisons, not a live rate sheet. Each one shows the month it reflects. Your actual rate depends on your lender, term, mortgage insurance status and qualification, so confirm any figure with a lender or a licensed agent before you act on it.

Reviews and testimonials

Client reviews belong to LendCity Mortgages and are shown with a link to its Google Business Profile. We do not publish invented quotes, star counts or case results.

Compensation and independence

Mortgage brokers in Canada are paid by the lender when a mortgage funds, not by the borrower. Read how we are paid before you rely on any recommendation.

Updates and corrections

We update pages when rules, rates or lender policies change, and the updated date shows the last substantive edit, not a rebuild. If you spot an error, tell us through the contact page with the page URL and the correction, and we will fix it and update the date.