Mortgage Renewal Workbook - Fall 2026

Renew, negotiate or switch, with worksheets for your own numbers.

Is your mortgage term ending soon? This 19-page workbook helps you get ready about four months before your renewal, so you have time to shop around, negotiate with your lender and switch if a better offer comes along. Each of its 6 chapters explains one part in plain language, then ends with a worksheet.

What’s inside

• Your mortgage today: the numbers from your statement in one place

• Your payment now and at the new rate, side by side

• Your renewal timeline, and a grid to compare your lender’s offer with two others: rate, term, payment, prepayment room, penalty method, portability and switching costs

• Breaking your mortgage early: three months’ interest vs the interest rate differential (IRD), with a worksheet to estimate a penalty

• Equity, if you want to borrow more when you renew

• How to check an offer’s math

• Answers to common renewal questions, plus “Switch or stay: your decision” to compare the total cost of each choice

How it works

Type in the 114 blue boxes on screen in Adobe Acrobat Reader, Preview on a Mac, or Microsoft Edge or Chrome, then save. Or print it and write in it by hand.

Where it comes from

Based on official sources such as the Financial Consumer Agency of Canada and the Office of the Superintendent of Financial Institutions. Each chapter lists its sources.

What you get

A PDF download, emailed to you right after you pay. Fall 2026 edition.

Information only, not financial or legal advice. Rules and lender terms change, so confirm anything important with your lender, broker or lawyer.