Free calculator
Stop paying the loyalty premium.
Most Quebecers renew with their bank without shopping around. Banks know this and charge the delta. Compute what this habit costs you.
Renewal shock
How much is your bank betting you won't shop around?
Enter your numbers. We compute the real overpayment and the loyalty premium you'll pay if you sign without comparing. No rate is promised — your AMF-licensed broker in the Courteo network will refine based on your full file.
On your bank's letter, or leave the default.
Indicative median reference Big 6 + Desjardins, updated daily.
Current monthly payment
$1,386 / month
Monthly payment if you sign your bank's offer
$2,031 / month
Monthly overpayment
+$644 / month
Total overpayment over 5 years
+$38,667 over 5 years
Loyalty premium you pay
$8,022 over 5 years
Gap between your bank's offer and the current market rate, compounded over 5 years. This is what the bank recovers because most clients don't shop around.
We send you the PDF detail and an AMF broker from the Courteo network calls you back within 24 business hours. Free, no commitment.
A one-page sheet to print or save as PDF, to share with your spouse, parents, or accountant.
Estimate for guidance only. Actual gap depends on your credit score, the chosen lender, and your file structure. Courteo is not a broker — matching is done with an independent AMF broker from the network.