When did your mortgage last get a checkup?
Most people look at their mortgage once every five years.
That's at renewal, when the lender's offer arrives and there's no time left to do anything about it. The Mortgage Checkup measures your current rate against today's market in about a minute — free, no signup, and your numbers stay yours.
No pressure and no spam — just a straight read on where your mortgage sits. Ongoing monitoring, where we watch the market for you and get in touch when a move is genuinely worth making, opens soon.
- What's left on your mortgage
- Your exact interest rate
- Whether it's fixed or variable
- How often you make payments
- When your term ends
That's the whole thing. No name, no email address, no phone number — so there's nothing for anyone to follow up on unless you ask us to.
Four things worth knowing — in about a minute.
Where your rate sits, what breaking would cost, whether your renewal needs work — or confirmation that you're already fine.
Where your rate sits
Your actual rate measured against what's available today — not a headline about the market in general, which tells you nothing about your mortgage.
What breaking would cost
An estimate of your prepayment penalty. This is the number that decides whether a switch is worth doing at all, and it's the one most people never look up.
Whether to start early
If your term ends within a year, that changes what you should be doing now. Lenders send their renewal offer late for a reason.
Or that you're fine
A clean result is still a result. Plenty of checkups end with "stay put" — the difference is you'll know it instead of assuming it.
No cost. No catch. No account.
Typing your mortgage details into a tool you've never used should give you pause. Here's exactly what happens when you do.
Free
No cost and nothing to cancel later. There's no paid tier sitting behind it.
No signup
No account, no password, no email address. Five questions, then your answer.
Your numbers stay yours
You're not handing your mortgage details to a mailing list. We never sell your information.
About a minute
Every field is on your mortgage statement. Month and year are enough for the term-end date.
Before you run it.
What is the Mortgage Checkup?+
A free, one-time read on the mortgage you already have. You enter your balance, rate, payment frequency and term-end date, and it measures where you sit against today's market — including an estimate of what breaking early would cost.
Do I have to give my name or email?+
No. Every question is about the mortgage itself. There's no account to create, nothing to confirm, and no contact details collected.
What information do I need to have handy?+
Your balance, your exact rate, whether it's fixed or variable, how often you pay, and when your term ends. All five are on your mortgage statement. Month and year are enough for the end date — the exact day only sharpens the penalty estimate.
Do I have to switch lenders or refinance?+
No. It's informational. Plenty of checkups end with "stay where you are", and that's a legitimate outcome — you've confirmed it rather than assumed it.
Is ongoing rate monitoring available yet?+
Not yet. Continuous monitoring — where we watch the market against your mortgage and get in touch when a move is genuinely worth making — is still being built and isn't open. The Checkup is the version that works today: a point-in-time read, whenever you want one.
Who runs it?+
We do. RateMonitoring is Mortgage Guru Financial's own tool, not a third-party product we resell. Ramin is BCFSA and RECA licensed, and he'd be the broker handling a switch if one ever makes sense.
Ready to see where you stand? It takes 60 seconds.
Measure your rate against today's market in about a minute — free, and no signup required. If it turns out there's a real opportunity, we'll tell you. If there isn't, you'll never hear from us with a sales pitch.