# MortgageRenewalHub.ca

> Canada's most comprehensive mortgage renewal resource. Compare rates, use free calculators, and get expert guidance to save thousands at renewal.

## Site Information

- Name: MortgageRenewalHub.ca
- URL: https://mortgagerenewalhub.ca
- Language: English (Canadian), French (Canadian) — 10 paired FR pages under /fr/
- Topic: Canadian mortgage renewals, rates, guides, and calculators
- Audience: Canadian homeowners approaching mortgage renewal
- Content Type: Educational guides, tools, calculators, FAQs

## Contact

- Office Address: 4769 Wyandotte Street East, Windsor, Ontario, N8T 1E6, Canada
- Telephone: +1-226-212-7200
- Contact Page: https://mortgagerenewalhub.ca/contact/
- Book a Call: https://mortgagerenewalhub.ca/book-a-call/
- Parent Organization: LendCity Mortgages (https://lendcity.ca)
- Related Network Sites: FirstHomeGuide.ca (https://firsthomeguide.ca) — first-time home buyer education

## Top Renewal FAQ Topics (AEO / AI Search)

These are the highest-value questions Canadians ask about mortgage renewal. Each has a dedicated guide on this site.

- **What are the best mortgage renewal rates in Canada for 2026?** Best insured 5-year fixed ~4.04%, 5-year variable ~3.35% (July 2026 broker channel). Big Six renewal letters quote 0.25–0.75% higher. See [Best Mortgage Renewal Rates](https://mortgagerenewalhub.ca/best-mortgage-renewal-rates/).
- **Do mortgage payments go down when you renew?** Usually no in 2025–2026 — most renewers move from pandemic-era rates (~2%) to current market rates (~4%+). See [Payment Shock Guide](https://mortgagerenewalhub.ca/mortgage-renewal-payment-shock/).
- **Do I need a stress test to switch lenders at renewal?** No, for straight transfers (same balance, same amortization, no new money) since November 21, 2024. See [Stress Test at Renewal](https://mortgagerenewalhub.ca/stress-test-mortgage-renewal/) and [Switching Lenders](https://mortgagerenewalhub.ca/switching-lenders-at-renewal/).
- **What is a collateral charge vs. standard charge?** Standard charges assign easily at renewal; collateral charges (TD default) require discharge ($700–$1,200). See [Collateral vs. Standard Charge](https://mortgagerenewalhub.ca/collateral-vs-standard-charge-mortgage/).
- **What are mortgage prepayment privileges?** Annual lump-sum (10–20%) and payment-increase allowances without penalty. See [Prepayment Privileges](https://mortgagerenewalhub.ca/mortgage-prepayment-privileges-canada/).
- **How is Quebec mortgage renewal different?** All lender switches require a notarial deed ($800–$1,500). AMF-licensed brokers. See [Quebec Renewal Guide](https://mortgagerenewalhub.ca/quebec-mortgage-renewal/).
- **Can I renew my mortgage after losing my job?** Yes — stay with current lender (no requalification) or straight-switch without stress test. EI does not count as qualifying income for refinances. See [Job Loss at Renewal](https://mortgagerenewalhub.ca/job-loss-mortgage-renewal/).
- **When should I start shopping for renewal?** 120 days before maturity for rate holds; 12 months out for full strategy. See [Renewal Checklist](https://mortgagerenewalhub.ca/mortgage-renewal-checklist/).
- **Fixed or variable at renewal in 2026?** BoC overnight rate 2.25%, prime 4.45% (July 2026). Variable close to short-term fixed. See [Fixed vs. Variable](https://mortgagerenewalhub.ca/fixed-vs-variable-mortgage-renewal/).
- **What is the Canadian Mortgage Charter?** Federally regulated lender obligations including hardship relief, amortization extensions, and proactive outreach. See [Canadian Mortgage Charter](https://mortgagerenewalhub.ca/canadian-mortgage-charter/).

## Core Pages

- [Home](https://mortgagerenewalhub.ca/): Overview of mortgage renewal resources and tools
- [What Is a Mortgage Renewal?](https://mortgagerenewalhub.ca/what-is-a-mortgage-renewal/): Foundational guide explaining mortgage renewals in Canada
- [Complete Mortgage Renewal Guide](https://mortgagerenewalhub.ca/mortgage-renewal-guide/): Comprehensive 10-section guide covering the full renewal process
- [Best Mortgage Renewal Rates](https://mortgagerenewalhub.ca/best-mortgage-renewal-rates/): July 2026 broker vs Big Six renewal rate comparison (~4.04% fixed / ~3.35% variable)
- [Switching Lenders at Renewal](https://mortgagerenewalhub.ca/switching-lenders-at-renewal/): No stress test for straight switches since Nov 2024 — step-by-step process
- [Discharge Fees by Lender](https://mortgagerenewalhub.ca/mortgage-discharge-fees-canada/): TD $340, Scotia $340, RBC ~$300, BMO $260, CIBC $295 + legal/registration
- [Prepayment Privileges](https://mortgagerenewalhub.ca/mortgage-prepayment-privileges-canada/): Lender-by-lender lump-sum and payment-increase rules
- [Collateral vs. Standard Charge](https://mortgagerenewalhub.ca/collateral-vs-standard-charge-mortgage/): Why TD switches cost more and when savings still win
- [Job Loss at Renewal](https://mortgagerenewalhub.ca/job-loss-mortgage-renewal/): Hardship options, straight switch, Mortgage Charter relief
- [Mortgage Renewal Checklist](https://mortgagerenewalhub.ca/mortgage-renewal-checklist/): Month-by-month checklist from 12 months before renewal to renewal day
- [Mortgage Renewal FAQ](https://mortgagerenewalhub.ca/mortgage-renewal-faq/): 40+ frequently asked questions about mortgage renewals in Canada
- [Mortgage Renewal Glossary](https://mortgagerenewalhub.ca/mortgage-renewal-glossary/): 40+ mortgage renewal terms defined in plain English
- [Site Map](https://mortgagerenewalhub.ca/mortgage-renewal-sitemap/): Complete list of all pages on the site

## Calculators & Interactive Tools

- [Mortgage Renewal Calculator Suite](https://mortgagerenewalhub.ca/mortgage-renewal-calculator/): Five free calculators — payment estimator, rate comparison, amortization extension, penalty estimator, debt consolidation
- [Mortgage Stress Test Calculator](https://mortgagerenewalhub.ca/mortgage-stress-test-calculator/): OSFI B-20 qualifying rate calculator with GDS/TDS analysis
- [Blend-and-Extend Calculator](https://mortgagerenewalhub.ca/blend-and-extend-calculator/): Compute your blended rate and compare against breaking early
- [Switch vs. Stay Break-Even Calculator](https://mortgagerenewalhub.ca/switch-vs-stay-calculator/): Factor in discharge, legal, appraisal, and title costs
- [HELOC vs. Refinance Calculator](https://mortgagerenewalhub.ca/heloc-vs-refinance-calculator/): Compare equity access options
- [Payment Frequency Calculator](https://mortgagerenewalhub.ca/mortgage-payment-frequency-canada/): See savings from accelerated bi-weekly or weekly payments
- [Mortgage Penalty Calculator](https://mortgagerenewalhub.ca/mortgage-penalty-calculator/): IRD vs. 3-month interest calculator with Big 6 posted-rate method
- [Prepayment / Lump-Sum Calculator](https://mortgagerenewalhub.ca/prepayment-lump-sum-calculator/): Interest saved and years shaved off amortization from a lump sum
- [Amortization Schedule Calculator](https://mortgagerenewalhub.ca/amortization-schedule-calculator/): Year-by-year amortization table with Canadian payment frequencies
- [Accelerated Payment Calculator](https://mortgagerenewalhub.ca/accelerated-payment-calculator/): Monthly vs. accelerated bi-weekly vs. accelerated weekly comparison
- [Refinance / Debt Consolidation Calculator](https://mortgagerenewalhub.ca/refinance-debt-consolidation-calculator/): Roll credit-card, LOC, car-loan debt into mortgage at 80% LTV
- [Affordability Requalification Calculator](https://mortgagerenewalhub.ca/affordability-requalification-calculator/): GDS/TDS check against OSFI B-20 rules at renewal
- [Rate Comparison Calculator](https://mortgagerenewalhub.ca/rate-comparison-calculator/): Compare up to 4 lender scenarios including upfront costs
- [Rental Income Qualifying Calculator](https://mortgagerenewalhub.ca/rental-income-qualifying-calculator/): 50% add-back, 80% offset, and DCR rental worksheet comparisons
- [Break-Even Switch Calculator](https://mortgagerenewalhub.ca/break-even-switch-calculator/): Months to recoup switch costs and verdict on switching now vs. at renewal
- [Renewal Document Checklist Generator](https://mortgagerenewalhub.ca/renewal-document-checklist-generator/): Tailored document list by situation (salaried, self-employed, rental, co-signed)
- [Should I Switch? Quiz](https://mortgagerenewalhub.ca/should-i-switch-quiz/): 5-question decision aid
- [Mortgage Term Decision Guide](https://mortgagerenewalhub.ca/mortgage-term-decision-guide/): Interactive decision framework for picking term length
- [Renewal Date Reminder](https://mortgagerenewalhub.ca/renewal-reminder/): Get notified 6 months and 4 months before your renewal
- [Rate Alert Signup](https://mortgagerenewalhub.ca/rate-alert/): Get notified when rates hit your target

## Rates & Market Data

- [Best Mortgage Renewal Rates](https://mortgagerenewalhub.ca/best-mortgage-renewal-rates/): Current best renewal rates with live comparison tables
- [Current Mortgage Rates Canada](https://mortgagerenewalhub.ca/current-mortgage-rates-canada/): Live broker rates for all terms
- [Mortgage Rate Forecast](https://mortgagerenewalhub.ca/mortgage-rate-forecast/): Canadian mortgage rate outlook and projections
- [Bank of Canada Rate Decisions](https://mortgagerenewalhub.ca/bank-of-canada-rate-decisions/): BoC meeting calendar, current overnight rate, and decision history

## Topic Guides

- [Switching Lenders at Renewal](https://mortgagerenewalhub.ca/switching-lenders-at-renewal/): Step-by-step guide to transferring your mortgage to a new lender
- [Stress Test at Renewal](https://mortgagerenewalhub.ca/stress-test-mortgage-renewal/): OSFI B-20 and the November 2024 straight-switch exemption
- [Collateral vs. Standard Charge](https://mortgagerenewalhub.ca/collateral-vs-standard-charge-mortgage/): How charge type affects switching
- [Prepayment Privileges in Canada](https://mortgagerenewalhub.ca/mortgage-prepayment-privileges-canada/): Big 6 and monoline prepayment limits compared
- [Job Loss at Renewal](https://mortgagerenewalhub.ca/job-loss-mortgage-renewal/): Renewing after unemployment — stay, switch, or Charter hardship
- [Canadian Mortgage Charter](https://mortgagerenewalhub.ca/canadian-mortgage-charter/): Federal renewal consumer protections
- [IRD vs. 3-Month Interest Penalty](https://mortgagerenewalhub.ca/ird-vs-three-month-interest-penalty/): Big 6 vs. monoline penalty methodology
- [Fixed vs. Variable at Renewal](https://mortgagerenewalhub.ca/fixed-vs-variable-mortgage-renewal/): Comparison of fixed and variable rate options
- [Insured vs. Conventional at Renewal](https://mortgagerenewalhub.ca/insured-vs-conventional-mortgage-renewal/): CMHC insurance portability
- [30-Year Amortization Rules](https://mortgagerenewalhub.ca/30-year-amortization-mortgage-renewal/): 2024 federal rule changes and eligibility
- [Trigger Rate (Variable Mortgages)](https://mortgagerenewalhub.ca/trigger-rate-variable-mortgage-canada/): Trigger rate and trigger point explained
- [Porting a Mortgage](https://mortgagerenewalhub.ca/porting-a-mortgage-canada/): Port-and-blend vs. break-and-new
- [Assuming a Mortgage](https://mortgagerenewalhub.ca/assuming-a-mortgage-canada/): Taking over an existing mortgage
- [Mortgage Flex Features](https://mortgagerenewalhub.ca/mortgage-flex-features-canada/): Skip-a-payment, double-up, payment vacation
- [Renewal vs. Refinancing](https://mortgagerenewalhub.ca/renewal-vs-refinancing/): When to renew vs. refinance
- [Renewal Term Lengths](https://mortgagerenewalhub.ca/mortgage-renewal-term-lengths/): How to choose 1, 2, 3, 4, 5, or 10-year term
- [Lower Mortgage Payments at Renewal](https://mortgagerenewalhub.ca/lower-mortgage-payments-at-renewal/): Strategies to reduce monthly payments
- [Renewal Mistakes](https://mortgagerenewalhub.ca/mortgage-renewal-mistakes/): Common pitfalls to avoid
- [Mortgage Lender Types in Canada](https://mortgagerenewalhub.ca/mortgage-lender-types-canada/): A-lenders, B-lenders, monolines, private lenders
- [Using a Mortgage Broker](https://mortgagerenewalhub.ca/mortgage-broker-renewal/): Benefits and process
- [Mortgage Appraisal at Renewal](https://mortgagerenewalhub.ca/mortgage-appraisal-at-renewal/): When appraisals are required, cost tiers ($150 AVM vs $300-$600 full), appraisal-free switch programs
- [Discharge Fees in Canada](https://mortgagerenewalhub.ca/mortgage-discharge-fees-canada/): Lender-by-lender discharge fees, provincial registration fees, legal/notary costs at switch
- [Title Insurance & Legal Fees When Switching](https://mortgagerenewalhub.ca/title-insurance-legal-fees-switching/): FCT, Stewart, TitlePLUS, Chicago Title title insurance and switch legal fee breakdown
- [Early Mortgage Renewal](https://mortgagerenewalhub.ca/early-mortgage-renewal/): Big 6 early-renewal windows (120/150/180 days), rate holds vs. commitments
- [Skip-a-Payment in Canada](https://mortgagerenewalhub.ca/skip-a-payment-mortgage-canada/): Which lenders offer payment vacations, capitalized interest impact, alternatives
- [Renewing with Arrears](https://mortgagerenewalhub.ca/renewing-mortgage-with-arrears/): R2/R3/R4 credit codes, power-of-sale/foreclosure timelines, lender workout options
- [Inter-Province Mortgage Portability](https://mortgagerenewalhub.ca/inter-province-mortgage-portability/): Cross-province port rules, Quebec notary complications, reserve property limits
- [Canadian HELOC Guide](https://mortgagerenewalhub.ca/canadian-heloc-guide/): 65% LTV rules, prime + 0.50 pricing, Big 6 HELOC products, adding a HELOC at renewal
- [Mortgage Refinance in Canada](https://mortgagerenewalhub.ca/mortgage-refinance-canada/): 80% LTV refinance cap, uses, costs, and timing relative to renewal
- [Second Mortgage at Renewal](https://mortgagerenewalhub.ca/second-mortgage-at-renewal/): Equitable, Home Trust, Community Trust, private 2nd mortgages — rate tiers and exit strategy
- [Readvanceable Mortgages in Canada](https://mortgagerenewalhub.ca/readvanceable-mortgage-canada/): Scotia STEP, Manulife One, NBC All-In-One, Homeline, ReadiLine, Home Power, TD bundle
- [B-Lender Mortgage Renewal](https://mortgagerenewalhub.ca/b-lender-mortgage-renewal/): Equitable, Home Trust, Haventree, MCAP Eclipse, Community Trust, CMLS Aveo, Strive
- [Private Mortgage Renewal](https://mortgagerenewalhub.ca/private-mortgage-renewal/): MIC vs. individual lender pricing, Criminal Code 35% cap, provincial regulators, exit ladder
- [Bridge Financing at Renewal](https://mortgagerenewalhub.ca/bridge-financing-at-renewal/): Prime+2 to prime+5 pricing, sold vs. unsold bridge, HELOC bridge alternatives
- [CMHC vs. Sagen vs. Canada Guaranty at Renewal](https://mortgagerenewalhub.ca/cmhc-sagen-canada-guaranty-at-renewal/): Mortgage default insurer rules at switch, portability of premium, straight-switch transfers
- [OSFI B-20 Stress Test at Renewal](https://mortgagerenewalhub.ca/osfi-b20-stress-test-at-renewal/): Minimum Qualifying Rate, Nov 2024 straight-switch exemption, credit-union exemption
- [Mortgage Insurance at Switch](https://mortgagerenewalhub.ca/mortgage-insurance-at-switch/): Fire/home, creditor, term life, and mortgage-default insurance at lender switch
- [FCAC / OBSI Mortgage Complaints](https://mortgagerenewalhub.ca/fcac-obsi-mortgage-complaints/): Canadian Mortgage Charter complaints, OBSI as single external complaints body since Nov 2024
- [Smith Manoeuvre at Renewal](https://mortgagerenewalhub.ca/smith-manoeuvre-at-renewal/): Making Canadian mortgage interest tax-deductible via a readvanceable at renewal
- [Debt Consolidation at Renewal](https://mortgagerenewalhub.ca/mortgage-renewal-debt-consolidation/): Rolling high-interest debt into the mortgage at refinance, math and behavioural risks
- [Fund RRSP / Renovations at Renewal](https://mortgagerenewalhub.ca/renewal-funding-rrsp-renovations/): Equity take-out for RRSPs, renovations, and education
- [Negotiation Scripts & Templates](https://mortgagerenewalhub.ca/mortgage-negotiation-scripts/): Phone scripts, email templates, Big 6 retention desk negotiation
- [Canadian Lender Cheat Sheet](https://mortgagerenewalhub.ca/canadian-lender-cheat-sheet/): Lender-by-lender comparison table (charge type, portable, IRD method, prepay %, blend, skip-a-pay)

## Bank & Lender Renewal Pages

- [TD Canada Trust](https://mortgagerenewalhub.ca/td-mortgage-renewal/): Renewal process, rates, and collateral charge considerations
- [RBC Royal Bank](https://mortgagerenewalhub.ca/rbc-mortgage-renewal/): Renewal process, rates, and prepayment privileges
- [BMO Bank of Montreal](https://mortgagerenewalhub.ca/bmo-mortgage-renewal/): Renewal process with 20% prepayment privileges
- [Scotiabank](https://mortgagerenewalhub.ca/scotiabank-mortgage-renewal/): STEP collateral charge and ARM variable structure
- [CIBC](https://mortgagerenewalhub.ca/cibc-mortgage-renewal/): Renewal process, rates, and Home Power Plan
- [National Bank of Canada](https://mortgagerenewalhub.ca/national-bank-mortgage-renewal/): Renewal process and regional coverage
- [First National (Monoline)](https://mortgagerenewalhub.ca/first-national-mortgage-renewal/): Broker-channel monoline renewal
- [MCAP (Monoline)](https://mortgagerenewalhub.ca/mcap-mortgage-renewal/): Canada's largest non-bank lender
- [Credit Union Mortgage Renewal](https://mortgagerenewalhub.ca/credit-union-mortgage-renewal-canada/): Provincial credit union flexibility at renewal

## Special Situations

- [Self-Employed Mortgage Renewal](https://mortgagerenewalhub.ca/self-employed-mortgage-renewal/): For business owners and contractors
- [Bad Credit Mortgage Renewal](https://mortgagerenewalhub.ca/bad-credit-mortgage-renewal/): Options with credit challenges
- [First-Time Mortgage Renewer](https://mortgagerenewalhub.ca/first-time-mortgage-renewal/): 2020-2021 cohort payment shock guide
- [Seniors / Retirees](https://mortgagerenewalhub.ca/seniors-mortgage-renewal-canada/): Qualifying on fixed income, CPP/OAS/RRIF
- [Reverse Mortgage at Renewal](https://mortgagerenewalhub.ca/reverse-mortgage-at-renewal/): CHIP, Equitable Flex, Bloom comparison
- [Job Loss at Renewal](https://mortgagerenewalhub.ca/job-loss-mortgage-renewal/): Hardship options under the Canadian Mortgage Charter
- [Divorce & Mortgage Renewal](https://mortgagerenewalhub.ca/divorce-mortgage-renewal/): Handling mortgage renewal during separation
- [Spousal Buyout](https://mortgagerenewalhub.ca/spousal-buyout-mortgage-renewal/): 95% LTV buyout program specifics
- [Remove a Co-Signer](https://mortgagerenewalhub.ca/remove-co-signer-mortgage-renewal/): Refinance process for co-signer removal
- [Investment Property Renewal](https://mortgagerenewalhub.ca/investment-property-renewal/): Rental property renewal considerations
- [New to Canada](https://mortgagerenewalhub.ca/new-to-canada-mortgage-renewal/): PR and newcomer renewal
- [Non-Resident Mortgage Renewal](https://mortgagerenewalhub.ca/non-resident-mortgage-renewal/): Non-Canadian-resident owners, Section 216, NR4/NR6, Foreign Buyer Ban context
- [Canadian Expat Mortgage Renewal](https://mortgagerenewalhub.ca/canadian-expat-mortgage-renewal/): Canadians living abroad — tax residency, foreign income, RBC/Scotia expat programs
- [Common-Law Partner Renewal](https://mortgagerenewalhub.ca/common-law-mortgage-renewal/): Cohabitation thresholds, adding/removing partners at renewal, provincial family law
- [Military Relocation (IRP) Renewal](https://mortgagerenewalhub.ca/military-relocation-mortgage-renewal/): CAF Integrated Relocation Program coverage of discharge/switch costs
- [Co-Ownership / Tenants in Common](https://mortgagerenewalhub.ca/co-ownership-mortgage-renewal/): Joint tenant vs. tenant-in-common renewal mechanics, buyouts, partition rules
- [Rent-to-Own First Renewal](https://mortgagerenewalhub.ca/rent-to-own-first-mortgage-renewal/): Post-RTO graduation first mortgage renewal, credit rehab to A-lender path
- [Estate / POA Renewal](https://mortgagerenewalhub.ca/estate-mortgage-renewal/): Death, probate, and power of attorney scenarios

## Provincial Guides

- [Ontario](https://mortgagerenewalhub.ca/ontario-mortgage-renewal/): Ontario-specific renewal with FSRA, TRREB data
- [British Columbia](https://mortgagerenewalhub.ca/bc-mortgage-renewal/): BC-specific renewal guidance
- [Alberta](https://mortgagerenewalhub.ca/alberta-mortgage-renewal/): Alberta-specific renewal guidance
- [Quebec](https://mortgagerenewalhub.ca/quebec-mortgage-renewal/): Quebec-specific renewal with notary requirements
- [Manitoba](https://mortgagerenewalhub.ca/manitoba-mortgage-renewal/): Manitoba standalone guide (LTT progressive 0-2%)
- [Saskatchewan](https://mortgagerenewalhub.ca/saskatchewan-mortgage-renewal/): Saskatchewan standalone guide (no LTT)
- [Atlantic Canada](https://mortgagerenewalhub.ca/atlantic-canada-mortgage-renewal/): NS, NB, PEI, NL combined
- [Territories](https://mortgagerenewalhub.ca/territories-mortgage-renewal/): Yukon, NWT, Nunavut

## French Content (Français)

Bilingual EN/FR page pairs use reciprocal hreflang. Primary French guides for Quebec and national renewal topics:

- [Renouvellement hypothécaire Québec](https://mortgagerenewalhub.ca/fr/renouvellement-hypothecaire-quebec/): Guide québécois — notaire, AMF, frais de radiation
- [Changer de prêteur au renouvellement](https://mortgagerenewalhub.ca/fr/changer-preteur-renouvellement/): Transfert hypothécaire sans test de stress (nov. 2024)
- [Guide complet renouvellement](https://mortgagerenewalhub.ca/fr/guide-renouvellement-hypothecaire/): Processus de renouvellement au Canada
- [FAQ renouvellement (FR)](https://mortgagerenewalhub.ca/fr/faq-renouvellement-hypothecaire/): Questions fréquentes en français
- [Meilleurs taux renouvellement](https://mortgagerenewalhub.ca/fr/meilleurs-taux-renouvellement-hypothecaire/): Comparaison des taux au renouvellement
- [Calculateur renouvellement](https://mortgagerenewalhub.ca/fr/calculateur-renouvellement-hypothecaire/): Suite de calculateurs gratuits
- [Calculateur pénalité](https://mortgagerenewalhub.ca/fr/calculateur-penalite-hypothecaire/): IRD vs intérêts de 3 mois
- [Prévision taux hypothécaire](https://mortgagerenewalhub.ca/fr/prevision-taux-hypothecaire/): Perspectives des taux au Canada
- [Qu'est-ce qu'un renouvellement?](https://mortgagerenewalhub.ca/fr/qu-est-ce-que-renouvellement-hypothecaire/): Guide fondamental
- [Frais de notaire hypothèque Québec](https://mortgagerenewalhub.ca/fr/frais-notaire-hypotheque-quebec/): Coûts notariaux au changement de prêteur

## Resources

- [RSS Feed](https://mortgagerenewalhub.ca/rss.xml): Mortgage renewal news — BoC decisions, OSFI changes, market updates
- [News & Market Updates](https://mortgagerenewalhub.ca/mortgage-renewal-news/): Bank of Canada decisions and renewal news
- [Case Studies](https://mortgagerenewalhub.ca/case-studies/): Canadian renewal success stories
- [Rate Alert Signup](https://mortgagerenewalhub.ca/rate-alert/): Email alerts for rate moves, BoC decisions, and renewal timing
- [Downloadable PDF Checklist](https://mortgagerenewalhub.ca/mortgage-renewal-checklist-pdf/): Free PDF renewal checklist

## About

- [About Us](https://mortgagerenewalhub.ca/about/): Our mission and team
- [Contact](https://mortgagerenewalhub.ca/contact/): Get in touch
- [Book a Call](https://mortgagerenewalhub.ca/book-a-call/): Schedule a free mortgage renewal strategy call
- [Pricing](https://mortgagerenewalhub.ca/pricing/): Services and pricing

## Legal

- [Privacy Policy](https://mortgagerenewalhub.ca/privacy/): How we collect, use, and protect personal information
- [Terms of Service](https://mortgagerenewalhub.ca/terms/): Terms governing use of MortgageRenewalHub.ca
- [Cookie Policy](https://mortgagerenewalhub.ca/cookie-policy/): How cookies are used on the site

## Authorship & Editorial

Content on MortgageRenewalHub.ca is authored and reviewed by Scott Dillingham, Licensed Mortgage Broker and principal of LendCity Mortgages. Articles cite primary sources including the Financial Consumer Agency of Canada (FCAC), Canada Mortgage and Housing Corporation (CMHC), Bank of Canada (BoC), Office of the Superintendent of Financial Institutions (OSFI), and Department of Finance Canada.

## Content Policy

This site publishes original, expert-reviewed educational content about Canadian mortgage renewals. Content is updated regularly to reflect current market rates, Bank of Canada policy changes, and regulatory updates. All content may be cited with attribution to MortgageRenewalHub.ca. Content is considered educational; specific recommendations require consultation with a licensed mortgage professional.

## AI Crawler Policy

AI training and AI search crawlers (GPTBot, ClaudeBot, Claude-SearchBot, Google-Extended, PerplexityBot, OAI-SearchBot, ChatGPT-User, anthropic-ai, CCBot, Applebot, Applebot-Extended, Amazonbot, cohere-ai, meta-external-agent, FacebookBot, YouBot, Bytespider, Gemini-Web-Scraper, Google-CloudVertexBot, AI2Bot, Diffbot, DuckAssistBot, Mistral-User) are explicitly allowed via robots.txt. Citation with link attribution to the source URL is requested.

Structured data: every page emits a connected schema.org @graph (Organization, WebSite, WebPage, Article with Person author, FAQPage, DefinedTermSet, or WebApplication as applicable). SpeakableSpecification cssSelectors target h1, key takeaways, and FAQ answer blocks.

## Optional

- [LLM full content index](https://mortgagerenewalhub.ca/llms-full.txt): Pre-flattened FAQ answers and key renewal facts for single-fetch ingestion
- [AI crawler policy (ai.txt)](https://mortgagerenewalhub.ca/ai.txt): Explicit AI training and citation policy
- [RSS feed](https://mortgagerenewalhub.ca/rss.xml): News and Bank of Canada rate decision updates
- [Sitemap index](https://mortgagerenewalhub.ca/sitemap-index.xml): Complete URL list for crawlers