What sets a Canadian mortgage renewal rate, how the options compare, and the federal and provincial rules that apply in 2026.
A mortgage renewal rate in Canada is not one number published somewhere. It is the rate a lender offers you for a new term, and it depends on wholesale funding costs, the Bank of Canada's policy rate, whether your mortgage is insured, how much equity you have, the term you choose and how much the lender wants to keep you. The rate printed on a renewal letter is often not the lowest rate that lender will accept.
Start with the overview of mortgage renewal rates in Canada, which links to every guide in this group. The other guides explain what drives the rate, fixed versus variable at renewal, how to choose a term length, when the stress test applies if you switch lenders, the Canadian Mortgage Charter, insured versus uninsured pricing, and the differences in Quebec, where hypothecs, notaries and the Autorité des marchés financiers change parts of the process.
Every rate on this site is an illustrative example, not a current market rate. Rules are described as they apply in October 2026. Where a rule may change, we name the official source to check, such as the Financial Consumer Agency of Canada, the Office of the Superintendent of Financial Institutions or the Bank of Canada.
Renewal Rates, Costs and 2026 Rules
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.
Renewal Rates, Costs and 2026 Rules
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.
Renewal Rates, Costs and 2026 Rules
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.
Renewal Rates, Costs and 2026 Rules
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.
Renewal Rates, Costs and 2026 Rules
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.
Renewal Rates, Costs and 2026 Rules
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.
Renewal Rates, Costs and 2026 Rules
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.
Renewal Rates, Costs and 2026 Rules
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.
