Mortgage
Should You Renew Your Mortgage for 1 or 5 Years in a Falling Rate Environment in Canada
Learn how to choose between a 1-year and 5-year mortgage term renewal when interest rates are declining, and what Canadian borrowers should consider.
Refinance
Articles about refinance under Mortgage.
Mortgage
Mortgage Portability in Canada: Keeping Your Rate When You Move
Learn how mortgage portability lets you transfer your existing mortgage rate and terms to a new property when you move, potentially saving thousands in interest and penalties.
Mortgage
How to Negotiate Your Mortgage Renewal Rate in Canada
Learn proven strategies to negotiate a better mortgage rate at renewal and compare competing offers to save thousands over your next term.
Mortgage
How to Refinance Your Mortgage in Canada and When It Makes Sense
Learn when refinancing your Canadian mortgage saves money, how to compare costs against savings, and the step-by-step process to switch lenders or renegotiate your term.
Mortgage
How to Refinance Your Canadian Mortgage and When It Makes Sense
A practical guide to mortgage refinancing in Canada, including when to refinance, costs to expect, and how to decide if it's worth it.
Mortgage
How Mortgage Payments Change at Renewal in Canada
Understand the factors that determine whether your mortgage payment will rise, fall, or stay the same when your term ends and you renew.
Mortgage
BMO's Return of the OSFI Stress Test for Uninsured Mortgage Switches in Canada
BMO has brought back stress-test qualification for some uninsured mortgage switches. Here is what Canadian borrowers should know before moving a mortgage at renewal.
Mortgage
OSFI's Stress Test Change for Uninsured Mortgage Switches in Canada
Canada's stress test rules changed for some uninsured mortgage switches. Here is what the OSFI update means at renewal and what still does not qualify.
Mortgage
Do You Need a Mortgage Stress Test to Switch Lenders in Canada?
Many Canadian homeowners can switch mortgage providers at renewal without redoing the federal mortgage stress test. The key condition is that the move must be a straight switch, not a refinance.
Mortgage
Do You Need a Stress Test to Switch Mortgage Providers in Canada?
Some Canadian homeowners can now switch mortgage providers at renewal without passing the federal mortgage stress test. The exemption is narrow, and it usually applies only to a straight switch with no larger loan or longer amortization.
Mortgage
OSFI Stress Test on Mortgage Switches Ends in Canada: What You Need to Know
Canadian homeowners can now switch certain mortgages at renewal without facing OSFI's stress test again. The change mainly helps borrowers who want to move lenders without increasing the loan amount or amortization.
Mortgage
Will Mortgage Renewers in Canada Face the Stress Test When Switching Lenders?
Many Canadian homeowners can now shop for a new lender at renewal without requalifying under the mortgage stress test. The exception is narrow, so refinancing, borrowing more, or changing the loan structure may still trigger full underwriting.
Mortgage
OSFI Stress Test Update in Canada: What Uninsured Renewal Switches Mean
OSFI no longer expects federally regulated lenders to apply the uninsured mortgage stress test to straight renewal switches. The change can make it easier for some Canadian homeowners to compare lenders at renewal.
Mortgage
Mid-Year 2027 Mortgage Review in Canada: Is Refinancing Worth It at Current Rates?
Refinancing can make sense when the savings clearly beat penalties, fees, and renewed qualification rules. Use this Canadian mid-year review to compare your rate, term, amortization, and equity options before you apply.
Mortgage
How to Refinance Your Mortgage in Canada: Complete 2027 Guide
Learn when and how to refinance your mortgage in Canada, including costs, qualification requirements, and strategies to save money on your home loan.
Mortgage
How to Prepare for Your Mortgage Renewal in 2026-2027
Learn the essential steps to prepare for your mortgage renewal, negotiate better rates, and avoid costly mistakes during the 2026-2027 renewal period.
Mortgage
When Does It Make Sense to Refinance Your Mortgage in Canada
Learn when refinancing your mortgage makes financial sense, how to calculate potential savings, and what costs to consider before making the switch.
