01/20/2026
If your mortgage is renewing in 2026, this is the most important thing to know:
You are NOT required to accept your bank’s first renewal offer.
Many homeowners who review their renewal early are able to:
1 . Compare rates from multiple lenders
2. Adjust their mortgage strategy (fixed vs variable, term length, payment structure)
3. Access equity for renovations, investments, or debt consolidation
4. Avoid costly penalties or restrictive terms
Renewing isn’t just about the rate — it’s about choosing the right overall mortgage plan for your next stage of life. I’d love to help you review your options and build a strategy that works for YOU!
Message me or visit MortgagesByAndrea.com for your free consultation.
Andrea Johnston
Mortgage Agent Level 2 | Mortgage Edge 10680
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