Blog tagged as Switching Lenders

Many homeowners face higher payments at renewal in 2025. Learn how rising rates affect budgets and the strategies that help you prepare with confidence.

OSFI is removing the stress test for uninsured mortgage switches on Nov. 21, making it easier for borrowers to shop lenders and secure more competitive renewal rates.

Porting lets you transfer your existing mortgage—and its rate—to a new property. Learn how ports work, lender rules, benefits, and the pros and cons.

Mortgage renewals let you reassess your rate, terms, and lender. Start 4–6 months early to compare offers, explore savings, and ensure your mortgage still fits your goals.