{
  "article": {
    "slug": "cibc-mortgage-renewal",
    "url": "/lenders/cibc-mortgage-renewal",
    "title": "CIBC mortgage renewal in 2026: the one open day most borrowers miss",
    "datePublished": "2026-07-15",
    "dateModified": "2026-07-15"
  },
  "ledger_meta": {
    "ledger_dateModified": "2026-07-10",
    "ledger_publisher": "RenewalRate.ca",
    "spec_version": "1.0",
    "claim_count": 25,
    "removed_claims": []
  },
  "claims": [
    {
      "id": "claim-001",
      "spec_version": "1.0",
      "text": "CIBC states it sends out mortgage renewal offers about 30 days before the mortgage maturity date.",
      "article_anchor": "CIBC sends out renewal offers about 30 days before the mortgage maturity date, a shorter runway than the letter's calm tone suggests.",
      "type": "lender-operational",
      "confidence": "B",
      "primary_source": {
        "name": "CIBC",
        "publisher": "Canadian Imperial Bank of Commerce",
        "url": "https://www.cibc.com/en/personal-banking/mortgages/resource-centre/mortgage-renewal.html",
        "datePublished": "n.d.",
        "vintage": "2026-07-10",
        "verbatim_check": true
      },
      "wayback_url": null,
      "source_quote": "At CIBC, we send out renewal offers about 30 days before the mortgage maturity date",
      "math_derivation": null,
      "evidence": null,
      "attestation": null,
      "inference_logic": "Verified in context: sentence continues 'but you can also apply to renew your mortgage early' and 'other lenders may have different policies'. Same page confirms 'thirty days before renewal, time gets tight and you should take action.'",
      "derivation_chain": null,
      "conditions": null,
      "next_review_due": "2027-01-10",
      "last_verified": "2026-07-10",
      "history": [
        {
          "date": "2026-07-10",
          "change": "Initial entry. Verbatim mechanically confirmed via curl fetch (Chrome UA, lint normalization) during the 2026-07-10 lender-cluster build, then independently re-fetched and semantically checked by an adversarial verification pass before drafting."
        }
      ],
      "evidence_grade": "LOW"
    },
    {
      "id": "claim-002",
      "spec_version": "1.0",
      "text": "Per CIBC's mortgage FAQ, the renewal package arrives about 30 days before the mortgage ends and includes mortgage product offers, terms and other options.",
      "article_anchor": "The paperwork is a renewal package with the bank's offer inside. Per its renewal resource page, CIBC sends out renewal offers about 30 days before the mortgage maturity date. The bank's FAQ describes what's inside: the package includes m...",
      "type": "lender-operational",
      "confidence": "B",
      "primary_source": {
        "name": "CIBC",
        "publisher": "Canadian Imperial Bank of Commerce",
        "url": "https://www.cibc.com/en/personal-banking/mortgages/resource-centre/mortgage-faq.html",
        "datePublished": "n.d.",
        "vintage": "2026-07-10",
        "verbatim_check": true
      },
      "wayback_url": null,
      "source_quote": "It's time to renew your mortgage when you get a renewal package, about 30 days before your mortgage ends. The package includes mortgage product offers, terms and other options.",
      "math_derivation": null,
      "evidence": null,
      "attestation": null,
      "inference_logic": "Every element of fact_text is inside the quote. Corroborates the 30-day timing on a second CIBC URL.",
      "derivation_chain": null,
      "conditions": null,
      "next_review_due": "2027-01-10",
      "last_verified": "2026-07-10",
      "history": [
        {
          "date": "2026-07-10",
          "change": "Initial entry. Verbatim mechanically confirmed via curl fetch (Chrome UA, lint normalization) during the 2026-07-10 lender-cluster build, then independently re-fetched and semantically checked by an adversarial verification pass before drafting."
        }
      ],
      "evidence_grade": "LOW"
    },
    {
      "id": "claim-003",
      "spec_version": "1.0",
      "text": "CIBC says borrowers may qualify to renew a mortgage as early as 150 days before maturity.",
      "article_anchor": "You may qualify to renew your mortgage as early as 150 days before maturity, so the negotiating window opens long before the envelope does.",
      "type": "lender-operational",
      "confidence": "B",
      "primary_source": {
        "name": "CIBC",
        "publisher": "Canadian Imperial Bank of Commerce",
        "url": "https://www.cibc.com/en/personal-banking/mortgages/resource-centre/mortgage-renewal.html",
        "datePublished": "n.d.",
        "vintage": "2026-07-10",
        "verbatim_check": true
      },
      "wayback_url": null,
      "source_quote": "You may qualify to renew your mortgage as early as 150 days before maturity",
      "math_derivation": null,
      "evidence": null,
      "attestation": null,
      "inference_logic": "Conditional 'may qualify' preserved in fact_text. Verified continuation on page: 'If you do, lenders often waive any prepayment charges ... or other fees, depending on the mortgage type and other incentives' (a popup marker sits mid-sentence in the rendered text).",
      "derivation_chain": null,
      "conditions": null,
      "next_review_due": "2027-01-10",
      "last_verified": "2026-07-10",
      "history": [
        {
          "date": "2026-07-10",
          "change": "Initial entry. Verbatim mechanically confirmed via curl fetch (Chrome UA, lint normalization) during the 2026-07-10 lender-cluster build, then independently re-fetched and semantically checked by an adversarial verification pass before drafting."
        }
      ],
      "evidence_grade": "LOW"
    },
    {
      "id": "claim-004",
      "spec_version": "1.0",
      "text": "CIBC allows an annual lump-sum prepayment of 10%, 15% or 20% depending on the mortgage product; to avoid prepayment charges the payment cannot exceed the allowable prepayment privilege.",
      "article_anchor": "Annual lump-sum room is 10%, 15% or 20% depending on your product; the contract decides which figure is yours.",
      "type": "lender-operational",
      "confidence": "B",
      "primary_source": {
        "name": "CIBC",
        "publisher": "Canadian Imperial Bank of Commerce",
        "url": "https://www.cibc.com/en/personal-banking/mortgages/resource-centre/prepayment.html",
        "datePublished": "n.d.",
        "vintage": "2026-07-10",
        "verbatim_check": true
      },
      "wayback_url": null,
      "source_quote": "Make an annual prepayment of 10%, 15% or 20% depending on your product You can make lump-sum payments to pay down your mortgage faster. To avoid prepayment charges, your payment cannot exceed your allowable prepayment privilege.",
      "math_derivation": null,
      "evidence": null,
      "attestation": null,
      "inference_logic": "AMENDED: original fact said 'CIBC closed mortgages' but the page does not scope this section to closed mortgages; product scoping removed. Quote extended (contiguous, heading plus body) so the lump-sum and avoid-charges clauses are inside the quote. Section sits under 'ways to pay down your mortgage ... without paying prepayment charges' with a footnote 2.",
      "derivation_chain": null,
      "conditions": null,
      "next_review_due": "2027-01-10",
      "last_verified": "2026-07-10",
      "history": [
        {
          "date": "2026-07-10",
          "change": "Initial entry. Verbatim mechanically confirmed via curl fetch (Chrome UA, lint normalization) during the 2026-07-10 lender-cluster build, then independently re-fetched and semantically checked by an adversarial verification pass before drafting."
        }
      ],
      "evidence_grade": "LOW"
    },
    {
      "id": "claim-005",
      "spec_version": "1.0",
      "text": "CIBC lets borrowers increase the regular payment amount up to 100% of the original regular payment at any time over the mortgage term.",
      "article_anchor": "Up to 100% of the original regular payment, at any time in the term",
      "type": "lender-operational",
      "confidence": "B",
      "primary_source": {
        "name": "CIBC",
        "publisher": "Canadian Imperial Bank of Commerce",
        "url": "https://www.cibc.com/en/personal-banking/mortgages/resource-centre/prepayment.html",
        "datePublished": "n.d.",
        "vintage": "2026-07-10",
        "verbatim_check": true
      },
      "wayback_url": null,
      "source_quote": "You can increase your payment amount up to 100% of the original regular payment at any time over the mortgage term",
      "math_derivation": null,
      "evidence": null,
      "attestation": null,
      "inference_logic": "Verified in context under 'increase your payment amount', within the section 'ways to pay down your mortgage and get out of debt faster without paying prepayment charges' (footnote 2 attaches to that heading; conditions may apply via footnote).",
      "derivation_chain": null,
      "conditions": null,
      "next_review_due": "2027-01-10",
      "last_verified": "2026-07-10",
      "history": [
        {
          "date": "2026-07-10",
          "change": "Initial entry. Verbatim mechanically confirmed via curl fetch (Chrome UA, lint normalization) during the 2026-07-10 lender-cluster build, then independently re-fetched and semantically checked by an adversarial verification pass before drafting."
        }
      ],
      "evidence_grade": "LOW"
    },
    {
      "id": "claim-006",
      "spec_version": "1.0",
      "text": "On the CIBC fixed-rate closed mortgage, terms run up to 10 years and prepayment of up to 10% annually is allowed.",
      "article_anchor": "Which figure is yours is a contract question, and the spread is not trivial. CIBC's fixed-rate closed mortgage carries terms of up to 10 years and allows prepayment of up to 10% annually, the bottom of the bank's own range.",
      "type": "lender-operational",
      "confidence": "B",
      "primary_source": {
        "name": "CIBC",
        "publisher": "Canadian Imperial Bank of Commerce",
        "url": "https://www.cibc.com/en/personal-banking/mortgages/home-power-plan-mortgage.html",
        "datePublished": "n.d.",
        "vintage": "2026-07-10",
        "verbatim_check": true
      },
      "wayback_url": null,
      "source_quote": "CIBC fixed-rate closed mortgage You'll always know exactly what your payments will be. You can choose terms of up to 10 years and can prepay up to 10% annually",
      "math_derivation": null,
      "evidence": null,
      "attestation": null,
      "inference_logic": "AMENDED: quote extended to include the product heading 'CIBC fixed-rate closed mortgage' so the product name in fact_text is inside the quote (original quote relied on a heading outside it). Same page card for CIBC Variable Flex mortgage states 'pre-payment privileges of up to 20%' (separately re-verified 2026-07-10).",
      "derivation_chain": null,
      "conditions": null,
      "next_review_due": "2027-01-10",
      "last_verified": "2026-07-10",
      "history": [
        {
          "date": "2026-07-10",
          "change": "Initial entry. Verbatim mechanically confirmed via curl fetch (Chrome UA, lint normalization) during the 2026-07-10 lender-cluster build, then independently re-fetched and semantically checked by an adversarial verification pass before drafting."
        }
      ],
      "evidence_grade": "LOW"
    },
    {
      "id": "claim-007",
      "spec_version": "1.0",
      "text": "For CIBC fixed-rate closed mortgages the prepayment charge is the greater of two amounts, the first being 3 months' interest on the amount prepaid.",
      "article_anchor": "Greater of two amounts, starting with 3 months' interest on the amount prepaid",
      "type": "lender-operational",
      "confidence": "B",
      "primary_source": {
        "name": "CIBC",
        "publisher": "Canadian Imperial Bank of Commerce",
        "url": "https://www.cibc.com/en/personal-banking/mortgages/resource-centre/prepayment.html",
        "datePublished": "n.d.",
        "vintage": "2026-07-10",
        "verbatim_check": true
      },
      "wayback_url": null,
      "source_quote": "If you have a fixed-rate closed mortgage, your prepayment charge will be the greater of the following: 3 months' interest on the amount you prepay",
      "math_derivation": null,
      "evidence": null,
      "attestation": null,
      "inference_logic": "Verified in context: the 3 months' interest is 'calculated at your annual mortgage interest rate, plus any discount you received', and the second listed amount is 'the interest rate differential (IRD) on the amount you prepay'.",
      "derivation_chain": null,
      "conditions": null,
      "next_review_due": "2027-01-10",
      "last_verified": "2026-07-10",
      "history": [
        {
          "date": "2026-07-10",
          "change": "Initial entry. Verbatim mechanically confirmed via curl fetch (Chrome UA, lint normalization) during the 2026-07-10 lender-cluster build, then independently re-fetched and semantically checked by an adversarial verification pass before drafting."
        }
      ],
      "evidence_grade": "LOW"
    },
    {
      "id": "claim-008",
      "spec_version": "1.0",
      "text": "CIBC's IRD calculation uses CIBC's current posted interest rate for the comparison mortgage identified in the mortgage documents.",
      "article_anchor": "CIBC calculates it as interest over the remaining term of your mortgage, calculated at CIBC's current posted interest rate for the comparison mortgage identified in your mortgage documents.",
      "type": "lender-operational",
      "confidence": "B",
      "primary_source": {
        "name": "CIBC",
        "publisher": "Canadian Imperial Bank of Commerce",
        "url": "https://www.cibc.com/en/personal-banking/mortgages/resource-centre/prepayment.html",
        "datePublished": "n.d.",
        "vintage": "2026-07-10",
        "verbatim_check": true
      },
      "wayback_url": null,
      "source_quote": "Interest over the remaining term of your mortgage, calculated at CIBC's current posted interest rate for the comparison mortgage identified in your mortgage documents",
      "math_derivation": null,
      "evidence": null,
      "attestation": null,
      "inference_logic": "AMENDED: removed the editorial clause 'the Big 6 posted-rate IRD pattern' which is analyst characterization, not on the page. Verified in context: the first IRD leg is interest 'calculated at your current mortgage interest rate, plus any interest rate discount you received', i.e. the discount is added back.",
      "derivation_chain": null,
      "conditions": null,
      "next_review_due": "2027-01-10",
      "last_verified": "2026-07-10",
      "history": [
        {
          "date": "2026-07-10",
          "change": "Initial entry. Verbatim mechanically confirmed via curl fetch (Chrome UA, lint normalization) during the 2026-07-10 lender-cluster build, then independently re-fetched and semantically checked by an adversarial verification pass before drafting."
        }
      ],
      "evidence_grade": "LOW"
    },
    {
      "id": "claim-009",
      "spec_version": "1.0",
      "text": "For CIBC variable-rate closed mortgages the prepayment charge is 3 months' interest on the amount prepaid, calculated at the CIBC prime rate.",
      "article_anchor": "Variable is simpler, with its own catch. For a variable-rate closed mortgage, the charge is 3 months' interest on the amount you prepay, calculated at the CIBC prime rate. Notice which rate the interest is calculated at.",
      "type": "lender-operational",
      "confidence": "B",
      "primary_source": {
        "name": "CIBC",
        "publisher": "Canadian Imperial Bank of Commerce",
        "url": "https://www.cibc.com/en/personal-banking/mortgages/resource-centre/prepayment.html",
        "datePublished": "n.d.",
        "vintage": "2026-07-10",
        "verbatim_check": true
      },
      "wayback_url": null,
      "source_quote": "If you have a variable-rate closed mortgage, your prepayment charge will be 3 months' interest on the amount you prepay. Interest is calculated at the CIBC prime rate.",
      "math_derivation": null,
      "evidence": null,
      "attestation": null,
      "inference_logic": "Every element of fact_text is inside the quote. Calculated at prime, not the discounted contract rate.",
      "derivation_chain": null,
      "conditions": null,
      "next_review_due": "2027-01-10",
      "last_verified": "2026-07-10",
      "history": [
        {
          "date": "2026-07-10",
          "change": "Initial entry. Verbatim mechanically confirmed via curl fetch (Chrome UA, lint normalization) during the 2026-07-10 lender-cluster build, then independently re-fetched and semantically checked by an adversarial verification pass before drafting."
        }
      ],
      "evidence_grade": "LOW"
    },
    {
      "id": "claim-010",
      "spec_version": "1.0",
      "text": "CIBC publishes a mortgage prepayment charge calculator that discloses the method: for most fixed-rate closed mortgages the charge is usually 3 months' interest or the IRD, whichever is greater.",
      "article_anchor": "Break a fixed-rate closed CIBC mortgage before maturity and the bank's own calculator page states the method: for most fixed-rate closed mortgages, the prepayment charge is usually 3 months' interest or the IRD, whichever is greater.",
      "type": "lender-operational",
      "confidence": "B",
      "primary_source": {
        "name": "CIBC",
        "publisher": "Canadian Imperial Bank of Commerce",
        "url": "https://www.cibc.com/en/personal-banking/mortgages/calculators/prepayment-calculator.html",
        "datePublished": "n.d.",
        "vintage": "2026-07-10",
        "verbatim_check": true
      },
      "wayback_url": null,
      "source_quote": "For most fixed-rate closed mortgages, the prepayment charge is usually 3 months' interest or the IRD, whichever is greater.",
      "math_derivation": null,
      "evidence": null,
      "attestation": null,
      "inference_logic": "Quote appears on the calculator page itself (URL is the calculator), which evidences the 'publishes a calculator' claim. Page hedges with 'most' and 'usually'; fact_text preserves both.",
      "derivation_chain": null,
      "conditions": null,
      "next_review_due": "2027-01-10",
      "last_verified": "2026-07-10",
      "history": [
        {
          "date": "2026-07-10",
          "change": "Initial entry. Verbatim mechanically confirmed via curl fetch (Chrome UA, lint normalization) during the 2026-07-10 lender-cluster build, then independently re-fetched and semantically checked by an adversarial verification pass before drafting."
        }
      ],
      "evidence_grade": "LOW"
    },
    {
      "id": "claim-011",
      "spec_version": "1.0",
      "text": "CIBC's prepayment charge calculator states the comparison rate is based on CIBC's current posted rate for a mortgage with a term similar to the remaining term.",
      "article_anchor": "The bank's penalty calculator confirms the same choice of rate: the comparison rate is based on CIBC's current posted rate for a mortgage with a term that's similar to the remaining term on your mortgage.",
      "type": "lender-operational",
      "confidence": "B",
      "primary_source": {
        "name": "CIBC",
        "publisher": "Canadian Imperial Bank of Commerce",
        "url": "https://www.cibc.com/en/personal-banking/mortgages/calculators/prepayment-calculator.html",
        "datePublished": "n.d.",
        "vintage": "2026-07-10",
        "verbatim_check": true
      },
      "wayback_url": null,
      "source_quote": "We calculate your prepayment charge using a comparison interest rate. It's based on CIBC's current posted rate for a mortgage with a term that's similar to the remaining term on your mortgage",
      "math_derivation": null,
      "evidence": null,
      "attestation": null,
      "inference_logic": "Second on-domain confirmation that CIBC's IRD comparison rate is the posted rate. Verified in context under the calculator's 'comparison rate' explainer.",
      "derivation_chain": null,
      "conditions": null,
      "next_review_due": "2027-01-10",
      "last_verified": "2026-07-10",
      "history": [
        {
          "date": "2026-07-10",
          "change": "Initial entry. Verbatim mechanically confirmed via curl fetch (Chrome UA, lint normalization) during the 2026-07-10 lender-cluster build, then independently re-fetched and semantically checked by an adversarial verification pass before drafting."
        }
      ],
      "evidence_grade": "LOW"
    },
    {
      "id": "claim-012",
      "spec_version": "1.0",
      "text": "CIBC registers standard charges for the exact amount borrowed.",
      "article_anchor": "Standard charge registered for the exact amount borrowed",
      "type": "lender-operational",
      "confidence": "B",
      "primary_source": {
        "name": "CIBC",
        "publisher": "Canadian Imperial Bank of Commerce",
        "url": "https://www.cibc.com/en/personal-banking/mortgages/mortgage-security.html",
        "datePublished": "n.d.",
        "vintage": "2026-07-10",
        "verbatim_check": true
      },
      "wayback_url": null,
      "source_quote": "CIBC registers the standard charge for the exact amount you borrow",
      "math_derivation": null,
      "evidence": null,
      "attestation": null,
      "inference_logic": "Page also gives a worked example: buy for $500,000 with a $250,000 mortgage loan, CIBC registers the standard charge for $250,000 (verified in context).",
      "derivation_chain": null,
      "conditions": null,
      "next_review_due": "2027-01-10",
      "last_verified": "2026-07-10",
      "history": [
        {
          "date": "2026-07-10",
          "change": "Initial entry. Verbatim mechanically confirmed via curl fetch (Chrome UA, lint normalization) during the 2026-07-10 lender-cluster build, then independently re-fetched and semantically checked by an adversarial verification pass before drafting."
        }
      ],
      "evidence_grade": "LOW"
    },
    {
      "id": "claim-013",
      "spec_version": "1.0",
      "text": "For the CIBC Home Power Plan, CIBC typically registers a collateral charge for up to 100% of the property value; e.g. borrowing 80% of the home's value can still mean a charge registered for 100% (or more).",
      "article_anchor": "Home Power Plan holders sit on a collateral charge typically registered for up to 100% of the property value, which changes the mechanics of leaving.",
      "type": "lender-operational",
      "confidence": "B",
      "primary_source": {
        "name": "CIBC",
        "publisher": "Canadian Imperial Bank of Commerce",
        "url": "https://www.cibc.com/en/personal-banking/mortgages/mortgage-security.html",
        "datePublished": "n.d.",
        "vintage": "2026-07-10",
        "verbatim_check": true
      },
      "wayback_url": null,
      "source_quote": "CIBC typically registers the charge for up to 100% of the property value. For example, if you borrow 80% of your home's value, CIBC may register the charge for 100% (or more) of the home's value",
      "math_derivation": null,
      "evidence": null,
      "attestation": null,
      "inference_logic": "Product attribution independently re-verified: the quote begins immediately after 'For the CIBC Home Power Plan(R),' on the page. The registered-trademark symbol is excluded from the quote deliberately because it renders inconsistently across fetches (R-in-circle vs replacement char), which would break the mechanical substring check. Quote sits under the page's 'collateral charges' explanation.",
      "derivation_chain": null,
      "conditions": null,
      "next_review_due": "2027-01-10",
      "last_verified": "2026-07-10",
      "history": [
        {
          "date": "2026-07-10",
          "change": "Initial entry. Verbatim mechanically confirmed via curl fetch (Chrome UA, lint normalization) during the 2026-07-10 lender-cluster build, then independently re-fetched and semantically checked by an adversarial verification pass before drafting."
        }
      ],
      "evidence_grade": "LOW"
    },
    {
      "id": "claim-014",
      "spec_version": "1.0",
      "text": "The CIBC Home Power Plan combines a mortgage and line of credit, and as the mortgage is paid down the line of credit automatically increases (readvanceable).",
      "article_anchor": "The bank's flagship combined product is the Home Power Plan, which CIBC describes as an all-in-one mortgage and line of credit where the line of credit automatically increases as you pay down your mortgage.",
      "type": "lender-operational",
      "confidence": "B",
      "primary_source": {
        "name": "CIBC",
        "publisher": "Canadian Imperial Bank of Commerce",
        "url": "https://www.cibc.com/en/personal-banking/mortgages/home-power-plan-mortgage.html",
        "datePublished": "n.d.",
        "vintage": "2026-07-10",
        "verbatim_check": true
      },
      "wayback_url": null,
      "source_quote": "With the CIBC Home Power Plan, you can get an all-in-one mortgage and line of credit that offers the greater flexibility to meet your borrowing needs. You could borrow as little as $10,000 secured against your home equity. Plus, as you pay down your mortgage, your line of credit will automatically increase",
      "math_derivation": null,
      "evidence": null,
      "attestation": null,
      "inference_logic": "AMENDED: quote extended to include the product name so 'CIBC Home Power Plan' in fact_text is inside the quote; fact_text reworded to track the page's 'all-in-one mortgage and line of credit' wording ('readvanceable' kept as parenthetical industry label, not CIBC's word). The automatic-increase sentence carries a footnote 2 on the page. Page also states 'borrow up to 80% of the value of your home' (separately re-verified).",
      "derivation_chain": null,
      "conditions": null,
      "next_review_due": "2027-01-10",
      "last_verified": "2026-07-10",
      "history": [
        {
          "date": "2026-07-10",
          "change": "Initial entry. Verbatim mechanically confirmed via curl fetch (Chrome UA, lint normalization) during the 2026-07-10 lender-cluster build, then independently re-fetched and semantically checked by an adversarial verification pass before drafting."
        }
      ],
      "evidence_grade": "LOW"
    },
    {
      "id": "claim-017",
      "spec_version": "1.0",
      "text": "All CIBC mortgages become open at the end of the mortgage term, so borrowers can pay as much as they want on the mortgage before renewing.",
      "article_anchor": "All CIBC mortgages become open at the end of the mortgage term, which makes maturity day itself a penalty-free exit.",
      "type": "lender-operational",
      "confidence": "B",
      "primary_source": {
        "name": "CIBC",
        "publisher": "Canadian Imperial Bank of Commerce",
        "url": "https://www.cibc.com/en/personal-banking/mortgages/resource-centre/prepayment.html",
        "datePublished": "n.d.",
        "vintage": "2026-07-10",
        "verbatim_check": true
      },
      "wayback_url": null,
      "source_quote": "All CIBC mortgages become open at the end of the mortgage term. This means you can pay as much as you want on your mortgage before you renew.",
      "math_derivation": null,
      "evidence": null,
      "attestation": null,
      "inference_logic": "AMENDED: trimmed 'without a prepayment charge' from fact_text; that phrasing is implied by 'open' and by the parent section heading ('ways to pay down your mortgage ... without paying prepayment charges', verified on page) but is not inside the verbatim quote. Section is 'prepay at renewal'. The maturity date remains the penalty-free exit window angle, supportable via the section heading if quoted separately.",
      "derivation_chain": null,
      "conditions": null,
      "next_review_due": "2027-01-10",
      "last_verified": "2026-07-10",
      "history": [
        {
          "date": "2026-07-10",
          "change": "Initial entry. Verbatim mechanically confirmed via curl fetch (Chrome UA, lint normalization) during the 2026-07-10 lender-cluster build, then independently re-fetched and semantically checked by an adversarial verification pass before drafting."
        }
      ],
      "evidence_grade": "LOW"
    },
    {
      "id": "claim-018",
      "spec_version": "1.0",
      "text": "CIBC does not charge administrative fees for renewing a mortgage.",
      "article_anchor": "One line item you can cross off: CIBC doesn't charge any administrative fees for renewing a mortgage. Signing the enclosed offer costs nothing, which is exactly what makes the path of least resistance so well paved.",
      "type": "lender-operational",
      "confidence": "B",
      "primary_source": {
        "name": "CIBC",
        "publisher": "Canadian Imperial Bank of Commerce",
        "url": "https://www.cibc.com/en/personal-banking/mortgages/resource-centre/mortgage-faq.html",
        "datePublished": "n.d.",
        "vintage": "2026-07-10",
        "verbatim_check": true
      },
      "wayback_url": null,
      "source_quote": "CIBC doesn't charge any administrative fees for renewing a mortgage",
      "math_derivation": null,
      "evidence": null,
      "attestation": null,
      "inference_logic": "Verified in context: FAQ Q 'Is there a fee for renewing a mortgage?' answered 'No, CIBC doesn't charge any administrative fees for renewing a mortgage.' No conditional language surrounds it.",
      "derivation_chain": null,
      "conditions": null,
      "next_review_due": "2027-01-10",
      "last_verified": "2026-07-10",
      "history": [
        {
          "date": "2026-07-10",
          "change": "Initial entry. Verbatim mechanically confirmed via curl fetch (Chrome UA, lint normalization) during the 2026-07-10 lender-cluster build, then independently re-fetched and semantically checked by an adversarial verification pass before drafting."
        }
      ],
      "evidence_grade": "LOW"
    },
    {
      "id": "claim-019",
      "spec_version": "1.0",
      "text": "FCAC states that if your mortgage contract is with a federally regulated financial institution, such as a bank, the lender must provide you with a renewal statement at least 21 days before the end of the existing term.",
      "article_anchor": "FCAC states that a federally regulated financial institution must provide you with a renewal statement at least 21 days before the end of the existing term.",
      "type": "regulation",
      "confidence": "A",
      "primary_source": {
        "name": "FCAC consumer guidance",
        "publisher": "Financial Consumer Agency of Canada (Government of Canada)",
        "url": "https://www.canada.ca/en/financial-consumer-agency/services/mortgages/renew-mortgage.html",
        "datePublished": "n.d.",
        "vintage": "2026-07-10",
        "verbatim_check": true
      },
      "wayback_url": "https://web.archive.org/web/20260430215234/https://www.canada.ca/en/financial-consumer-agency/services/mortgages/renew-mortgage.html",
      "source_quote": "such as a bank, the lender must provide you with a renewal statement at least 21 days before the end of the existing term",
      "math_derivation": null,
      "evidence": null,
      "attestation": null,
      "inference_logic": "MECHANICAL PASS 2026-07-10 (independent fetch, normalized contiguous substring, 1 occurrence). Lead-in verified live: full sentence begins 'If your mortgage contract is with a federally regulated financial institution, such as a bank, ...' AMENDED: fact_text previously said 'federally regulated lender'; page says 'federally regulated financial institution'. Page title confirmed 'Renewing your mortgage - Canada.ca'.",
      "derivation_chain": null,
      "conditions": null,
      "next_review_due": "2027-01-10",
      "last_verified": "2026-07-10",
      "history": [
        {
          "date": "2026-07-10",
          "change": "Initial entry. Verbatim mechanically confirmed via curl fetch (Chrome UA, lint normalization) during the 2026-07-10 lender-cluster build, then independently re-fetched and semantically checked by an adversarial verification pass before drafting."
        }
      ],
      "evidence_grade": "MODERATE"
    },
    {
      "id": "claim-021",
      "spec_version": "1.0",
      "text": "The statutory renewal disclosure must include a statement that no change that increases the cost of borrowing will be made to the credit agreement between the day on which the statement is disclosed and the day on which the credit agreement will be renewed.",
      "article_anchor": "The renewal disclosure must include a statement that no change that increases the cost of borrowing will be made between the day the statement is disclosed and the day the credit agreement is renewed.",
      "type": "regulation",
      "confidence": "A",
      "primary_source": {
        "name": "Justice Laws consolidated statute",
        "publisher": "Government of Canada (Justice Laws Website)",
        "url": "https://laws-lois.justice.gc.ca/eng/regulations/SOR-2021-181/FullText.html",
        "datePublished": "n.d.",
        "vintage": "2026-07-10",
        "verbatim_check": true
      },
      "wayback_url": null,
      "source_quote": "no change that increases the cost of borrowing will be made to the credit agreement between the day on which the statement is disclosed by the institution and the day on which the credit agreement will be renewed",
      "math_derivation": null,
      "evidence": null,
      "attestation": null,
      "inference_logic": "MECHANICAL PASS 2026-07-10; 1 occurrence, context confirms it is s. 45(1)(c) introduced by 'the following information is prescribed information in relation to a credit agreement that will be renewed on a specified date: ... (c) a statement that no change...'. AMENDED: 'commitment' replaced with the regulation's own word 'statement'; the reg prescribes disclosure of a statement, it does not use the word commitment. s. 45(1)(d) later-of rule also confirmed in context pull. No Wayback snapshot; pin before publish.",
      "derivation_chain": null,
      "conditions": null,
      "next_review_due": "2027-01-10",
      "last_verified": "2026-07-10",
      "history": [
        {
          "date": "2026-07-10",
          "change": "Initial entry. Verbatim mechanically confirmed via curl fetch (Chrome UA, lint normalization) during the 2026-07-10 lender-cluster build, then independently re-fetched and semantically checked by an adversarial verification pass before drafting."
        }
      ],
      "evidence_grade": "MODERATE"
    },
    {
      "id": "claim-022",
      "spec_version": "1.0",
      "text": "If the lender will not renew your mortgage, FCAC states the lender must notify you 21 days before the end of your term.",
      "article_anchor": "If CIBC will not renew you, FCAC says the lender must notify you 21 days before the end of your term.",
      "type": "regulation",
      "confidence": "A",
      "primary_source": {
        "name": "FCAC consumer guidance",
        "publisher": "Financial Consumer Agency of Canada (Government of Canada)",
        "url": "https://www.canada.ca/en/financial-consumer-agency/services/mortgages/renew-mortgage.html",
        "datePublished": "n.d.",
        "vintage": "2026-07-10",
        "verbatim_check": true
      },
      "wayback_url": "https://web.archive.org/web/20260504005531/https://www.canada.ca/en/financial-consumer-agency/services/mortgages/renew-mortgage.html",
      "source_quote": "Your lender must also notify you 21 days before the end of your term if they won't renew your mortgage.",
      "math_derivation": null,
      "evidence": null,
      "attestation": null,
      "inference_logic": "MECHANICAL PASS 2026-07-10. Quote is a complete sentence and fully supports fact_text; sentence appears directly after the 21-day renewal-statement sentence. Statutory backing per researcher: SOR/2021-181 s. 46 (non-renewal) confirmed present on the FullText page in my context pull ('marginal note: non-renewal 46 (1) if an institution does not intend to renew a credit agreement...').",
      "derivation_chain": null,
      "conditions": null,
      "next_review_due": "2027-01-10",
      "last_verified": "2026-07-10",
      "history": [
        {
          "date": "2026-07-10",
          "change": "Initial entry. Verbatim mechanically confirmed via curl fetch (Chrome UA, lint normalization) during the 2026-07-10 lender-cluster build, then independently re-fetched and semantically checked by an adversarial verification pass before drafting."
        }
      ],
      "evidence_grade": "MODERATE"
    },
    {
      "id": "claim-023",
      "spec_version": "1.0",
      "text": "FCAC warns that if you don't take action, the renewal of your mortgage term may be automatic, meaning you may not get the best interest rate and conditions; if your lender plans on automatically renewing your mortgage, it will say so in the renewal statement.",
      "article_anchor": "If you take no action at all, FCAC warns that the renewal of your mortgage term may be automatic, meaning you may not get the best interest rate and conditions, and if your lender plans on automatically renewing it will say so in the ren...",
      "type": "regulation",
      "confidence": "A",
      "primary_source": {
        "name": "FCAC consumer guidance",
        "publisher": "Financial Consumer Agency of Canada (Government of Canada)",
        "url": "https://www.canada.ca/en/financial-consumer-agency/services/mortgages/renew-mortgage.html",
        "datePublished": "n.d.",
        "vintage": "2026-07-10",
        "verbatim_check": true
      },
      "wayback_url": "https://web.archive.org/web/20260430215234/https://www.canada.ca/en/financial-consumer-agency/services/mortgages/renew-mortgage.html",
      "source_quote": "the renewal of your mortgage term may be automatic. This means you may not get the best interest rate and conditions. If your lender plans on automatically renewing your mortgage, it will say so in the renewal statement.",
      "math_derivation": null,
      "evidence": null,
      "attestation": null,
      "inference_logic": "MECHANICAL PASS 2026-07-10. AMENDED: added the conditional lead-in 'if you don't take action,' which immediately precedes the quote on the live page (verified 2026-07-10: 'if you don't take action, the renewal of your mortgage term may be automatic.'); omitting it presented conditional source language as broader than stated. Lead-in is page context, not inside the quote; documented here per the same pattern as regulatory-001.",
      "derivation_chain": null,
      "conditions": null,
      "next_review_due": "2027-01-10",
      "last_verified": "2026-07-10",
      "history": [
        {
          "date": "2026-07-10",
          "change": "Initial entry. Verbatim mechanically confirmed via curl fetch (Chrome UA, lint normalization) during the 2026-07-10 lender-cluster build, then independently re-fetched and semantically checked by an adversarial verification pass before drafting."
        }
      ],
      "evidence_grade": "MODERATE"
    },
    {
      "id": "claim-024",
      "spec_version": "1.0",
      "text": "FCAC guidance tells borrowers to negotiate with their current lender at renewal; you may qualify for a discounted interest rate that is lower than the rate quoted in your renewal letter.",
      "article_anchor": "FCAC's renewal guidance tells borrowers to negotiate with your current lender, because you may qualify for a discounted interest rate that is lower than the rate quoted in your renewal letter.",
      "type": "regulation",
      "confidence": "A",
      "primary_source": {
        "name": "FCAC consumer guidance",
        "publisher": "Financial Consumer Agency of Canada (Government of Canada)",
        "url": "https://www.canada.ca/en/financial-consumer-agency/services/mortgages/renew-mortgage.html",
        "datePublished": "n.d.",
        "vintage": "2026-07-10",
        "verbatim_check": true
      },
      "wayback_url": "https://web.archive.org/web/20260430215234/https://www.canada.ca/en/financial-consumer-agency/services/mortgages/renew-mortgage.html",
      "source_quote": "Negotiate with your current lender. You may qualify for a discounted interest rate that is lower than the rate quoted in your renewal letter.",
      "math_derivation": null,
      "evidence": null,
      "attestation": null,
      "inference_logic": "MECHANICAL PASS 2026-07-10. Adjacent sentence also confirmed live in my context pull: 'tell your lender about offers you received from other financial institutions or mortgage brokers. you may need to provide proof of the offers you receive.'",
      "derivation_chain": null,
      "conditions": null,
      "next_review_due": "2027-01-10",
      "last_verified": "2026-07-10",
      "history": [
        {
          "date": "2026-07-10",
          "change": "Initial entry. Verbatim mechanically confirmed via curl fetch (Chrome UA, lint normalization) during the 2026-07-10 lender-cluster build, then independently re-fetched and semantically checked by an adversarial verification pass before drafting."
        }
      ],
      "evidence_grade": "MODERATE"
    },
    {
      "id": "claim-025",
      "spec_version": "1.0",
      "text": "FCAC states the prepayment penalty will usually be the higher of an amount equal to 3 months' interest on what you still owe or the interest rate differential (IRD).",
      "article_anchor": "FCAC says the prepayment penalty will usually be the higher of an amount equal to 3 months' interest on what you still owe or the interest rate differential.",
      "type": "regulation",
      "confidence": "A",
      "primary_source": {
        "name": "FCAC consumer guidance",
        "publisher": "Financial Consumer Agency of Canada (Government of Canada)",
        "url": "https://www.canada.ca/en/financial-consumer-agency/services/mortgages/reduce-prepayment-penalties.html",
        "datePublished": "n.d.",
        "vintage": "2026-07-10",
        "verbatim_check": true
      },
      "wayback_url": "https://web.archive.org/web/20260430213639/https://www.canada.ca/en/financial-consumer-agency/services/mortgages/reduce-prepayment-penalties.html",
      "source_quote": "The prepayment penalty will usually be the higher of: an amount equal to 3 months' interest on what you still owe the interest rate differential ( IRD )",
      "math_derivation": null,
      "evidence": null,
      "attestation": null,
      "inference_logic": "MECHANICAL PASS 2026-07-10 with the exact list-item spacing given (no punctuation between 'owe' and 'the interest rate differential'; '( IRD )' spacing literal). Researcher's warning stands: semicolon variants of this quote fail against the live page. Page title confirmed 'Mortgage fees: Prepayment penalties - Canada.ca'.",
      "derivation_chain": null,
      "conditions": null,
      "next_review_due": "2027-01-10",
      "last_verified": "2026-07-10",
      "history": [
        {
          "date": "2026-07-10",
          "change": "Initial entry. Verbatim mechanically confirmed via curl fetch (Chrome UA, lint normalization) during the 2026-07-10 lender-cluster build, then independently re-fetched and semantically checked by an adversarial verification pass before drafting."
        }
      ],
      "evidence_grade": "MODERATE"
    },
    {
      "id": "claim-026",
      "spec_version": "1.0",
      "text": "Lenders will usually use the IRD calculation when the interest rate on your mortgage is higher than the current interest rate and you signed your current mortgage contract less than 5 years ago.",
      "article_anchor": "It adds that lenders usually use the IRD calculation when the interest rate on your mortgage is higher than the current interest rate and you signed your current mortgage contract less than 5 years ago.",
      "type": "regulation",
      "confidence": "A",
      "primary_source": {
        "name": "FCAC consumer guidance",
        "publisher": "Financial Consumer Agency of Canada (Government of Canada)",
        "url": "https://www.canada.ca/en/financial-consumer-agency/services/mortgages/reduce-prepayment-penalties.html",
        "datePublished": "n.d.",
        "vintage": "2026-07-10",
        "verbatim_check": true
      },
      "wayback_url": "https://web.archive.org/web/20260430213639/https://www.canada.ca/en/financial-consumer-agency/services/mortgages/reduce-prepayment-penalties.html",
      "source_quote": "The lender will usually use the IRD calculation if: the interest rate on your mortgage is higher than the current interest rate and you signed your current mortgage contract less than 5 years ago",
      "math_derivation": null,
      "evidence": null,
      "attestation": null,
      "inference_logic": "MECHANICAL PASS 2026-07-10. Quote includes the 'if:' lead-in and both list-item conditions as contiguous visible text; fact_text mirrors both conditions and the conditional 'usually'.",
      "derivation_chain": null,
      "conditions": null,
      "next_review_due": "2027-01-10",
      "last_verified": "2026-07-10",
      "history": [
        {
          "date": "2026-07-10",
          "change": "Initial entry. Verbatim mechanically confirmed via curl fetch (Chrome UA, lint normalization) during the 2026-07-10 lender-cluster build, then independently re-fetched and semantically checked by an adversarial verification pass before drafting."
        }
      ],
      "evidence_grade": "MODERATE"
    },
    {
      "id": "claim-029",
      "spec_version": "1.0",
      "text": "Prepayment privileges vary from lender to lender; FCAC tells borrowers to check the terms and conditions of their mortgage contract.",
      "article_anchor": "None of this is standardized across lenders. FCAC's baseline is that prepayment privileges vary from lender to lender, and borrowers should check the terms and conditions of their mortgage contract. Your contract wording outranks this pa...",
      "type": "regulation",
      "confidence": "A",
      "primary_source": {
        "name": "FCAC consumer guidance",
        "publisher": "Financial Consumer Agency of Canada (Government of Canada)",
        "url": "https://www.canada.ca/en/financial-consumer-agency/services/mortgages/reduce-prepayment-penalties.html",
        "datePublished": "n.d.",
        "vintage": "2026-07-10",
        "verbatim_check": true
      },
      "wayback_url": "https://web.archive.org/web/20260430213639/https://www.canada.ca/en/financial-consumer-agency/services/mortgages/reduce-prepayment-penalties.html",
      "source_quote": "Prepayment privileges vary from lender to lender. Check the terms and conditions of your mortgage contract",
      "math_derivation": null,
      "evidence": null,
      "attestation": null,
      "inference_logic": "MECHANICAL PASS 2026-07-10. AMENDED: dropped 'for the specific allowed amounts' from fact_text — the quote ends at 'mortgage contract'. The live page does continue 'to find out: if your lender allows you to make prepayments... if there's a minimum or a maximum amount that you're allowed to prepay... what fees or penalties apply' (verified 2026-07-10), so the amounts point is true but sits outside the quote; extend the quote if that detail is needed on-page. Federal baseline stands: per-lender percentages must come from each lender's own pages.",
      "derivation_chain": null,
      "conditions": null,
      "next_review_due": "2027-01-10",
      "last_verified": "2026-07-10",
      "history": [
        {
          "date": "2026-07-10",
          "change": "Initial entry. Verbatim mechanically confirmed via curl fetch (Chrome UA, lint normalization) during the 2026-07-10 lender-cluster build, then independently re-fetched and semantically checked by an adversarial verification pass before drafting."
        }
      ],
      "evidence_grade": "MODERATE"
    },
    {
      "id": "claim-030",
      "spec_version": "1.0",
      "text": "FCAC explains that with a collateral charge mortgage you may secure multiple loans with your lender, including a mortgage and a line of credit, and the lender may register a charge higher than the amount of your mortgage.",
      "article_anchor": "FCAC's description of the structure: with a collateral charge mortgage you may secure multiple loans with your lender, including a mortgage and a line of credit, and the lender may register a charge higher than the amount of your mortgage.",
      "type": "regulation",
      "confidence": "A",
      "primary_source": {
        "name": "FCAC consumer guidance",
        "publisher": "Financial Consumer Agency of Canada (Government of Canada)",
        "url": "https://www.canada.ca/en/financial-consumer-agency/services/mortgages/choose-mortgage.html",
        "datePublished": "n.d.",
        "vintage": "2026-07-10",
        "verbatim_check": true
      },
      "wayback_url": "http://web.archive.org/web/20260501022119/https://www.canada.ca/en/financial-consumer-agency/services/mortgages/choose-mortgage.html",
      "source_quote": "With a collateral charge mortgage, you may secure multiple loans with your lender. This includes a mortgage and a line of credit. The lender may register a charge higher than the amount of your mortgage.",
      "math_derivation": null,
      "evidence": null,
      "attestation": null,
      "inference_logic": "MECHANICAL PASS 2026-07-10. Quote is three complete sentences fully supporting fact_text. Page title confirmed 'Choosing a mortgage that is right for you - Canada.ca'. Caveat retained from researcher: the Wayback snapshot's content has not been independently checked against this quote.",
      "derivation_chain": null,
      "conditions": null,
      "next_review_due": "2027-01-10",
      "last_verified": "2026-07-10",
      "history": [
        {
          "date": "2026-07-10",
          "change": "Initial entry. Verbatim mechanically confirmed via curl fetch (Chrome UA, lint normalization) during the 2026-07-10 lender-cluster build, then independently re-fetched and semantically checked by an adversarial verification pass before drafting."
        }
      ],
      "evidence_grade": "MODERATE"
    }
  ]
}