7 Moves That Keep First-Time Renewers From Overpaying in 2026 If your five-year fixed mortgage matures in 2026 and you haven't renewed before, you're looking at rates roughly double what you locked in. The lenders know this. Here's what actually reduces the
Rob Smith refinanced his first rental property in 2019 at 2.8%. His primary residence mortgage was sitting at 3.4%. Same borrower, same equity position, rates six-tenths apart. The spread didn't make sense until his accountant walked him through cash damming — a strategy that converts non-
The standard renewal pattern in Canada is five years. Lock in a rate, make payments, renew when the term ends. For borrowers who signed in 2020 or 2021 at rates between 1.5% and 2.2%, that renewal is happening now, and the new rate is somewhere between 4% and
The Canadian dollar stopped caring about oil prices somewhere around February. That's not a slow drift. It's a structural break. The rolling correlation between the loonie and West Texas Intermediate crude has turned negative in 2026, a sharp reversal from the tight positive relationship that held
This is contentflow, a brand new site by Jason that's just getting started. Things will be up and running here shortly, but you can subscribe in the meantime if you'd like to stay up to date and receive emails when new content is published!