Everything you need to know before you renew.
Plain-language guides written and reviewed by a licensed Canadian mortgage agent — no jargon, no sales pitch. New guides added every few days.
Can I Negotiate My Mortgage Renewal in Canada?
Yes — and most Canadians who ask for a better rate get one. Here's exactly what to say, when to say it, and the data that gives you real leverage.
Should I Switch Lenders at Renewal?
Switching sounds like paperwork hell, but the process is largely automated at renewal and the savings often reach five figures. Here's how to decide.
The 120-Day Renewal Window Explained
Most lenders will hold a rate for you 120 days before your renewal date. Waiting for the letter costs Canadians thousands of dollars a year.
Fixed vs Variable at Renewal — The 2026 Outlook
With the Bank of Canada in an easing cycle and bond yields choppy, the fixed-versus-variable decision at renewal in 2026 is genuinely close. Here's the framework.
Renewal vs Refinance — What's the Difference?
Renewing extends your existing mortgage at a new rate. Refinancing rewrites the whole thing — new amount, new amortization, new lender if you want. Choose the right tool.
The OSFI Stress Test and Your Renewal
As of 2024, the stress test no longer applies when you renew with your current federally regulated lender. Switching lenders still requires it — but the rules changed in late 2024. Here's what it means for you.