Mortgage Renewal
Mortgage Renewal: How to Get a Better Rate
By Yahia Nour Eddine KenouchePublished on February 3, 2026 6 min read
Renewal is the best moment to renegotiate your mortgage: no penalty, and the whole market opens up to you.
Start 4 to 6 months ahead
Most lenders let you hold a rate up to 120 days before maturity. You're protected from an increase without giving up a decrease.
Compare before signing
The automatic renewal offer is rarely the best available. A simple transfer to another lender can be worth thousands over the term.
Adjust the structure
Renewal is your chance to revisit amortization, payment frequency, or to move between fixed and variable based on your goals.
