Mortgage Renewals & Switching
Renewal is the one time you can switch lenders penalty-free — and the renewal letter your bank sends is rarely its best offer. These guides show you how to shop your renewal and what to watch in the fine print.
Mortgage Renewal in Ontario: Don't Sign the Letter Yet
Your renewal letter is an opening offer. On a $501K balance, shopping it beats signing by about $18,600 over one term. The 120-day plan and the switch rules.
Mortgage Refinancing in Ontario (2026): When It Makes Sense — And When It Can Cost You Thousands
When refinancing in Ontario actually makes sense: the penalty math, the real costs, and how to work out your break-even before you commit.
How to Refinance Smarter Before 2026 — Avoid the Mortgage Renewal Shock
Renewals are landing for thousands of Canadians. How to refinance strategically, access equity, and avoid walking into payment shock unprepared.
Mortgage Refinancing Penalties: What You Need to Know
Understand the hidden costs and penalties involved in refinancing your mortgage, and how to minimize them when restructuring your loan.
Turn the reading into a plan
Free, no credit check — get answers specific to your situation in less than an hour.
