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Don't auto-renew your mortgage. Expert renewal strategies for 2025/2026 to lower payments and secure the best Canadian mortgage rates.
The 2025 "Mortgage Renewal Cliff" is on every homeowner's mind. If your mortgage term is maturing in the next 12 to 24 months, you are likely facing an interest rate environment significantly different from when you first signed. Many Canadians simply sign their bank's renewal letter out of convenience, potentially overpaying by thousands of dollars annually.
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.
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.
The 2026 "Mortgage Renewal Cliff" is on every homeowner's mind. If your mortgage term is maturing in the next 12 to 24 months, you are likely facing an interest rate environment significantly different from when you first signed. Many Canadians simply sign their bank's renewal letter out of convenience, potentially overpaying by thousands of dollars annually.
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.