Sources
Every load-bearing claim and statistic published on RenewalRate.ca is recorded here, per article, with the primary source linked, the source's verbatim text quoted, the math derived in full where derivation applies, and a confidence tier visible on every entry. The full methodology is at /methodology.
Articles with verification ledgers
169 verified claims across 8 articles, last verified May 5, 2026. Each ledger lists every load-bearing factual claim, its primary source, the verbatim quoted text, the math derivation where applicable, the source vintage, and the next-review-due date.
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Canadian mortgage renewal: a complete 2026 guide
The 2026-2028 renewal wave, the 120-day pre-renewal window, three options at renewal, switch-cost line items, IRD methodology, fine-print traps, and the 30/60/120-day checklist.
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Canadian mortgage refinance, the 2026 guide
The four-question refinance break-even framework, the IRD cycle-direction rule, OSFI's 2024 MQR exemption for uninsured straight switches, and worked examples for the 2026 cohort.
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IRD mortgage penalty, lender by lender (2026)
Big Six posted-rate IRD versus monoline contract-rate IRD methodology, with worked examples for the 2026 rising-rate cycle and the cycle-direction rule that returns IRD to zero for the 2020-2022 origination cohort.
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Rate-lock entry: BoC April 29 decision
Bank of Canada April 29 2026 decision (held at 2.25 per cent), the directional column with three scenario probability calls, by-segment guidance, post-decision update with verbatim policy-statement language.
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Switch-cost calculator and explainer
Five-year switch-cost arithmetic with semi-annual compounding, OSFI's November 2024 MQR exemption for uninsured straight switches, FCAC professional fee ranges, lender-absorption variable.
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Renewal letter calculator (offer-completeness checklist)
Eight-item offer-completeness checklist, market-rate context, lender-specific notes (RBC, TD, Scotia, BMO, CIBC), Canadian semi-annual compounding methodology.
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Your renewal letter, decoded line by line
Line-by-line decoder for what each item on a Canadian renewal letter means, what is missing, what is negotiable, and the 21-day disclosure floor under the Financial Consumer Protection Framework Regulations.
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Payment-shock calculator
Canadian semi-annual compounding methodology, effective monthly rate conversion, standard amortization formula, worked sample inputs and outputs.
How the ledger works in three sentences
Every claim is labeled with one of eight types (statistic, regulation, math, quote, lender-operational, conditional, synthesis, industry-practice) and a confidence tier from A to D. Each entry shows the verbatim quoted text from the cited source, the source vintage, and the date the claim was last verified. A "report a correction" link on every claim routes to the editor; corrections are versioned, dated, and visible in each entry's history.
For the full methodology, see /methodology. Chronological corrections record at /corrections.