04/18/2026
Over one million Canadians are renewing their mortgages this year, and many could be facing payments 15–20% higher than when they signed in 2020.
This is not the time to react. It’s the time to position.
If you’re renewing in 2026, the real question isn’t: Who has the lowest rate?
It’s: What mortgage structure best serves your financial life right now?
Fixed or variable.
Amortization options.
Payment flexibility.
Debt strategy.
Cash flow planning.
Renewal is an opportunity to optimize — not just sign and hope for the best.
That’s a different conversation and it’s the only one worth having.
If your renewal is coming up, start early. Options improve when you plan ahead.
📩 DM me if your mortgage is renewing in 2026 and you want to review your options.
