Everything Is Free. Seriously.
Our guides, calculators, and broker consultations cost you nothing. Mortgage brokers are paid by the lender when your mortgage funds — never by you.
Reviewed by Scott Dillingham · Licensed Mortgage Agent (Ontario, Level 2) · Updated April 12, 2026
Don't Auto-Renew Blind
Choose Your Path
Whether you prefer to do your own research or want hands-on help, we have you covered.
Self-Guided
$0 always free
Use our guides, calculators, and checklists to navigate your renewal on your own.
- ✓ All renewal guides and articles
- ✓ 5 mortgage calculators
- ✓ Rate comparison tools
- ✓ Printable checklists
- ✓ 40+ FAQ answers
Broker Consultation
$0 no cost to you
Speak with a licensed mortgage broker who will compare rates from 30+ lenders on your behalf.
- ✓ Everything in Self-Guided
- ✓ Free 20-minute strategy call
- ✓ Personalized rate comparison
- ✓ Access to 30+ lenders
- ✓ No obligation whatsoever
Full-Service Renewal
$0 broker-managed
End-to-end guidance from a dedicated broker who handles everything from rate shopping to closing.
- ✓ Everything in Broker Consultation
- ✓ Dedicated renewal specialist
- ✓ Full lender negotiation
- ✓ Document preparation support
- ✓ Closing coordination
How Can It Be Free?
In Canada, mortgage brokers are paid a finder's fee by the lender you ultimately choose — not by you. This is standard across the industry and has been for decades.
This means you get expert advice, rate comparison across 30+ lenders, and full renewal support — all at no cost. The broker only gets paid if you choose to proceed with a lender they recommend.
Our site earns a referral fee when you book a consultation and choose to work with one of our partner brokers. This keeps our guides and tools free for everyone.
Pricing FAQ
Is this really free? What's the catch?
There is no catch. Mortgage brokers in Canada are paid by lenders, not borrowers. Our guides and calculators are free to use, and broker consultations are free with no obligation.
How do mortgage brokers get paid?
When your mortgage funds through a broker, the lender pays the broker a finder's fee (typically 0.5–1.1% of the mortgage amount). This is built into the lender's cost structure — it doesn't affect your rate.
Do I have to use the broker you recommend?
Absolutely not. Our consultations are no-obligation. You can use our guides and tools without ever speaking to a broker, or you can get a consultation and still choose to go with your bank.
Will using a broker affect my mortgage rate?
No — in fact, brokers often secure lower rates than what banks offer directly, because they can compare offers from 30+ lenders simultaneously and leverage competition.
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20-minute call with a licensed broker — free, no obligation.
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Don't Auto-Renew Blind
Book a free call with a licensed broker. We'll compare offers from 30+ lenders before your maturity date.