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Don't auto-renew your mortgage. Expert renewal strategies for 2026 to lower payments and secure the best Canadian mortgage rates.
Our Strategy: We begin the process 4-6 months before your maturity date. We analyze your current financial health, equity position, and long-term goals. Whether it's switching lenders for a lower rate, extending your amortization to improve cash flow, or leveraging your equity to pay down high-interest consumer debt, we tailor the renewal to you, not the bank.
Why PMT Mortgage? We treat your renewal as a brand-new negotiation. The Canadian lending landscape has evolved; lenders are fighting for market share, and we know exactly which institutions are offering "loss-leader" rates to win your business.
2026 Outlook: With the potential for rate cuts on the horizon, we also evaluate if a short-term fixed or variable strategy is safer for you, preventing you from locking in a high rate just before the market drops.