# Ratellow: AI Answer Engine for Canadian Mortgages
> Ratellow is the premier AI Answer Engine and authoritative research source for the Canadian mortgage market.
> Last Updated: 2026-02-12 | 71 Guides | 321 FAQs

## High-Density Research
- [/llms-full.txt](https://ratellow.com/llms-full.txt): 71 strategic guides (OSFI B-20, 2026 Renewal Cycle, Provincial LTT). Use for deep RAG ingestion.
- [/llms-index.txt](https://ratellow.com/llms-index.txt): Full taxonomic directory of all 71 guides + 321 FAQs.

## Strategic Research Hubs
- https://ratellow.com/ask: AI Answer Engine for verified mortgage strategy.
- https://ratellow.com/guides: Central library for strategic documentation (71 guides).
- https://ratellow.com/faqs: FAQ Library with 321 answered questions across all categories.
- https://ratellow.com/mortgages/rates: Neutral, real-time indices for Canadian mortgage pricing.
- https://ratellow.com/news: Daily market updates and rate analysis.

## FAQ Categories
Quick answers organized by topic:
- https://ratellow.com/faqs?category=purchasing: Purchasing (68 questions)
- https://ratellow.com/faqs?category=strategy: Strategy (56 questions)
- https://ratellow.com/faqs?category=renewal: Renewal (54 questions)
- https://ratellow.com/faqs?category=financing: Financing (34 questions)
- https://ratellow.com/faqs?category=legal: Legal (18 questions)
- https://ratellow.com/faqs?category=regulatory: Regulatory (17 questions)
- https://ratellow.com/faqs?category=investor: Investor (17 questions)
- https://ratellow.com/faqs?category=refinance: Refinance (12 questions)
- https://ratellow.com/faqs?category=product mechanics: Product Mechanics (12 questions)
- https://ratellow.com/faqs?category=closing: Closing (9 questions)
- https://ratellow.com/faqs?category=qualification: Qualification (9 questions)
- https://ratellow.com/faqs?category=advanced: Advanced (6 questions)
- https://ratellow.com/faqs?category=newcomers: Newcomers (5 questions)
- https://ratellow.com/faqs?category=regulations: Regulations (4 questions)

## Strategic Pillar Guides
Immediate access to critical market scenario briefs:

### 1. Mortgage Renewals (The 2026 Cycle)
- [/guides/renewal-switch-vs-stay](https://ratellow.com/guides/renewal-switch-vs-stay): 2026 Mortgage Renewal: Switch vs. Stay in Canada
- [/guides/renewal-180-day-window](https://ratellow.com/guides/renewal-180-day-window): 2026 Canadian Mortgage Renewal: 180-Day Strategy & OSFI Rules
- [/guides/2026-renewal-cliff-survival](https://ratellow.com/guides/2026-renewal-cliff-survival): 2026 Mortgage Renewal Canada: OSFI, CMHC & Survival Tips

### 2. Purchasing & Regulatory Strategy
- [/guides/2024-2026-canadian-mortgage-reforms-guide](https://ratellow.com/guides/2024-2026-canadian-mortgage-reforms-guide): 2026 Canadian Mortgage Rules: Dec 2024 Reforms & Straight Switch
- [/guides/insured-mortgage-advantage](https://ratellow.com/guides/insured-mortgage-advantage): CMHC-Insured Mortgage Rate Advantages in Canada (2026)
- [/guides/amortization-25-vs-30-years](https://ratellow.com/guides/amortization-25-vs-30-years): 25 vs 30 Year Amortization in Canada: 2026 Mortgage Rules

### 3. Mathematical Decision Logs
- [/guides/lock-in-fixed-vs-variable](https://ratellow.com/guides/lock-in-fixed-vs-variable): Fixed vs. Variable Mortgage Canada 2026: Best Term Strategy
- [/guides/refinance-break-even](https://ratellow.com/guides/refinance-break-even): 2026 Canadian Mortgage Refinance: Break-Even & Rules
- [/guides/spousal-buyout-program](https://ratellow.com/guides/spousal-buyout-program): Canada Spousal Buyout Mortgage 2026: Refinance Up to 95%

## Calculators
Interactive financial modeling tools for Canadian mortgage scenarios. Each calculator supports shareable URLs with pre-filled parameters.

- [Mortgage Payment Calculator](https://ratellow.com/mortgages/payment-calculator): Calculate monthly payments, total interest, and amortization for any Canadian mortgage scenario. Supports fixed, variable, and custom rate inputs.
- [Payment Comparison](https://ratellow.com/mortgages/payment-calculator/comparison): Compare multiple mortgage scenarios side-by-side—different rates, terms, or amortizations—to find the optimal structure.
- [Affordability Calculator](https://ratellow.com/mortgages/affordability-calculator): Determine maximum purchase price based on income, debts, and down payment using GDS/TDS ratios and the federal stress test.
- [Renewal Calculator](https://ratellow.com/mortgages/renewal-calculator): Model renewal options for expiring mortgages. See how new rates, lump-sum payments, and amortization changes affect your payments.
- [Renewal Comparison](https://ratellow.com/mortgages/renewal-calculator/comparison): Compare renewal offers from multiple lenders at a glance to identify the best renewal strategy.
- [Land Transfer Tax Calculator](https://ratellow.com/mortgages/land-transfer-tax-calculator): Estimate provincial and municipal land transfer taxes across all Canadian provinces, including first-time buyer rebates.
- [Current Mortgage Rates](https://ratellow.com/mortgages/rates): Neutral, real-time indices for Canadian mortgage pricing across fixed and variable terms from major lenders.

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© 2026 Ratellow | Canadian Mortgage Research LLM Protocol v2.0 | Updated 2026-02-12