About RenewalRate.ca
RenewalRate.ca is a Canadian independent publication. Its narrow job is helping homeowners walk into a mortgage renewal with better information than the renewal letter alone provides.
What we publish
The coverage area is narrow on purpose. Payment-shock calculators. Renewal timing. Rate-trend context drawn from Bank of Canada releases, CMHC research, and Statistics Canada housing figures. Practical explainers on the questions a homeowner should put to a broker or a bank's mortgage specialist before signing anything.
The site does not cover US mortgage products, does not run refinance calculators for American markets, and does not publish speculation on where rates are going next. The editorial line is restricted to what is knowable, what is sourced, and what is useful to someone with a maturity date somewhere between six and twenty-four months out.
Who runs it
The editor of RenewalRate.ca is Omar M.S. Hamed, based in Ontario.
Hamed runs O.MS.H Media Inc., a performance-marketing firm whose clients have included Canadian small and mid-sized businesses in the trades, hospitality, and professional services. Prior to the site launch, the past ten years were spent building reporting, attribution, and conversion-tracking systems for those clients. His undergraduate work at McMaster University was in Multimedia, with a commerce minor.
He is not a licensed mortgage broker, and not a financial advisor. The argument the site makes is narrower than financial advice. It is that the Canadian mortgage renewal process tends to hand the lender an informational advantage over the borrower, and that the advantage is easy to close with a calculator, a few basis-point comparisons, and a plain-language walkthrough of what the fine print actually says. Everything published here is built for that, not for replacing the role of a licensed broker.
Correspondence: [email protected].
Editorial independence
No affiliate partner sees an article before it goes live. Partners do not approve drafts, edit copy, or influence how rates, products, or lenders are ranked on the site. No coverage has been paid for. No review has been commissioned in exchange for a fee. Where a partner ends their program, that change is disclosed. Where reader complaints accumulate against a partner's service, the referral relationship gets pulled, and the reason is published.
Full details are in our Editorial Policy.
How the site makes money
RenewalRate.ca earns affiliate commissions when a reader clicks through to a partner brokerage and ultimately funds a mortgage with them. The reader pays nothing extra. The partner brokerage pays us a referral fee out of their own marketing budget. This is the same model used by Ratehub, NerdWallet Canada, and most Canadian comparison sites, and it is disclosed in full on every page where an affiliate link appears.
Our current partner is Homewise, a FSRA-licensed mortgage brokerage. Additional partners are pending, and we update the list in real time on our Affiliate Disclosure page.
We do not sell reader data, we do not run display advertising, and we do not operate a brokerage. Ontario Regulation 407/07 under the Mortgage Brokerages, Lenders and Administrators Act, 2006 provides a limited referral exemption that permits certain referrals to a licensed mortgage brokerage without requiring the referrer to hold a licence, subject to specific conditions including disclosure. RenewalRate.ca operates within that exemption: we do not solicit, negotiate, or recommend specific mortgage products for specific borrowers, we do not provide personalized mortgage advice, and every affiliate link carries an inline disclosure of the referral arrangement.
Contact
Editorial tips, corrections, partnership inquiries, and privacy matters: [email protected].
Full contact details and response times are on our Contact page.