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🤖 AI-Powered

Rate IQ — Loan Estimate Analyzer

Paste your mortgage loan estimate. Our AI extracts every cost, scores your deal, and shows your real 5-year total versus the best available Canadian rate.

📄 Analyze Your Loan Estimate

Upload a PDF or paste the text from your mortgage disclosure document.

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Drop your PDF here or click to browse

PDF, DOC, or TXT · Max 10MB

or paste text manually
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Analyzing your document…

Rate IQ is reading your estimate and comparing against live Canadian rates.

  • Extracting interest rate & APR
  • Identifying origination fees & credits
  • Scanning for discount points
  • Calculating 5-year true cost
  • Comparing to market rates
— VALUE SCORE

📈 5-Year True Cost Comparison

🏆 How Your Rate Compares to Canadian Lenders

Live rates from our network — sorted by 5-year fixed, best available.

Get a Better Rate → Compare All Rates

🔍 What Rate IQ Looks For

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Interest Rate vs APR

The gap between your note rate and APR reveals hidden financing costs rolled into your loan.

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Origination Fees

Lender profit margin. Competitive offers charge 0–1% of loan amount. Higher is a red flag.

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Discount Points

Prepaid interest to buy a lower rate. We calculate whether paying points is worth it for your timeline.

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Lender Credits

Credits offset closing costs — but come with a higher rate. Rate IQ shows you the real trade-off.

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5-Year True Cost

Total interest + fees paid over your first 5-year term — the number that actually matters.

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Your data stays private. Rate IQ analyzes your document entirely in your browser. No document text is stored or transmitted. We only use the extracted numbers for the comparison.