All guides

What the Canadian Mortgage Charter and FCAC's guideline mean when you renew, including early contact, temporary amortization extensions and relief if a payment jump is unaffordable.

How to pick a mortgage term length at renewal in Canada, with a worked three-year versus five-year comparison, the break-even rate, open terms and the Interest Act rule.

How fixed, adjustable-rate and fixed-payment variable mortgages work at renewal in Canada, with a payment stress test, penalty differences and a decision checklist.

Why insured, insurable and uninsurable mortgages get different renewal rates in Canada, how to find your status, and what happens to insurance when you switch or refinance.

How Canadian mortgage renewal rates are set, why the first offer is rarely the best, the 2026 rules on switching and renewal statements, and what to compare.

How renewing or switching a mortgage works in Quebec, from hypothecs and notaries to the AMF, Desjardins caisses, French-language contracts and the costs of moving lenders.

When the mortgage stress test applies at renewal in Canada, what counts as a straight switch since November 2024, and what a new lender still checks before approving you.

The factors behind a Canadian mortgage renewal offer, from bond yields and prime to insurance status, equity tiers and retention pricing, and which ones you control.

How early renewal windows and blend-and-extend offers work in Canada, with worked blended-rate arithmetic, what you are really betting on, and questions to ask your lender.

What extending a mortgage amortization at renewal in Canada does to your payment and total interest, who can do it, insured limits, and a plan to shorten it again later.

A step-by-step Canadian mortgage renewal checklist from six months before maturity to your first new payment, with documents to gather, numbers to run and deadlines.

A practical method for negotiating a Canadian mortgage renewal offer: what to gather, what to ask, a sample script, what a lower rate is worth, and when to walk away.

How Canadian lenders calculate the penalty for breaking a mortgage term early, with worked three-month interest and IRD examples, the posted-rate method and when breaking pays.

How to use the penalty-free prepayment moment at renewal in Canada, with worked lump-sum and accelerated biweekly examples and how to weigh prepaying against a TFSA or RRSP.

Compare a mortgage renewal offer with another lender's rate in Canada, including discharge, legal and appraisal costs, cash-back, break-even and interest over the term.

Calculate the payment increase when a low-rate Canadian mortgage term ends, with a full worked example, a rate sensitivity table and three ways to soften the jump.

What a Canadian mortgage renewal statement must contain, how automatic renewal works, what it can cost, and what to do if your lender will not renew your mortgage.

How standard and collateral mortgage charges differ in Canada, why a collateral charge or readvanceable mortgage can make switching at renewal costlier, and how to price the move.

How trigger rates, trigger points and negative amortization work on Canadian fixed-payment variable mortgages, and why the payment can jump sharply at renewal, with a worked example.

How to complain about a mortgage renewal, penalty or fee in Canada, the 56-day bank process, when to go to OBSI, what FCAC does, and the routes for credit unions, caisses and brokers.

The most expensive mortgage renewal mistakes in Canada, from signing the first offer to missing switch deadlines and variable payment resets, with what each one costs and how to avoid it.

A directory of the federal and provincial bodies behind Canadian mortgage renewal rules, from FCAC, OSFI, CMHC and the Bank of Canada to provincial regulators, OBSI and land registries.