Renewal mortgage rates
Ask about my rateCompare Canadian mortgage renewal rates before maturity, including switch-lender options, term strategy, negotiation leverage, and qualification tradeoffs.
Renewing · $750,000 home · $750,000 mortgage
BC · 5-year term · fixed & variable · 25-year amortization · Live in the home
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How your rates stay current
Supported public lender sources are checked once daily at 6 a.m. Vancouver time. Each offer shows when its source was checked. Your matches refresh while this page is open.
Expired promotions and rates without recent verification are removed automatically. A lender’s rate hold is separate from a promotion deadline. Promotional badges identify special rates; broker cashback estimates appear separately.
Choose your property, down payment, province and amortization to see matching products, then compare up to three for payment, interest and balance. Confirm fees, prepayment privileges, penalties and any funding deadline with your broker.
A little guidance goes a long way.
We’ll help you weigh the rate, flexibility and costs. Brokerage services are available for BC properties.
Find rates by lender
Open a lender to see verified fixed and variable reference rates, conditions and source checks. These examples cover different down payments and terms; use the shopper to check your own situation.
- ATB Financial
- AVEO by CMLS Financial
- B2B Bank
- B2B Bank Alternative
- Beem Credit Union
- BlueShore Financial
- BMO Bank of Montreal
- Bridgewater Bank
- CIBC
- CMLS Financial
- CoastCapital Savings
- Community Savings Credit Union
- CWB Optimum Mortgage (Alternative Lending)
- Desjardins
- DUCA
- DUCA (Near Prime)
- Eclipse (MCAP & RMG)
- Envision Financial
- Equitable Alternative Solutions
- First National Excalibur
- First National Financial
- HAVENTREE Bank
- Home Trust
- Island Savings
- Manulife
- Marathon Mortgage
- MCAN Home - Discover Alternative for Uninsured
- MCAN Home - Precision Prime for Insured
- MCAP
- MERIX - Standard (Lendwise)
- MERIX - Trailer
- National Bank of Canada
- Neo Financial
- NPX
- Peoples Bank (For Exclusive Partners Only)
- Pine Mortgage (Pine Financial)
- Prospera
- Radius Financial
- RBC Royal Bank
- RFA
- RFA Alternative
- RMG Mortgages
- Scotiabank
- Strive Capital
- TD Canada Trust
- Valley First
- WealthONE Bank
Browse the lender directory · Live rate data for AI assistants · Connect an AI assistant
Compare the same balance, term, amortization and insurance category. Displayed rates depend on eligibility and lender approval.
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Understand the rate you’re looking at.
A mortgage renewal rate is the pricing offered for the term after your current mortgage matures. You can accept your lender's offer, negotiate, or switch lenders. Start early enough to compare the total package; a switch may require qualification and documents, while a simple renewal with the existing lender is usually easier but not automatically cheaper.
Renewal offers arrive early, but you do not have to accept the first offer. Compare rates and terms before signing.
- Start
- Roughly 120 to 90 days before maturity
- Compare
- Stay, switch, and refinance as separate decisions
- Check
- Transfer costs, qualification, features, and term strategy
Before you accept an offer
- Side-by-side renewal pricing with term filters.
- Use reminders to avoid missed renewal windows.
- Save scenarios to negotiate with confidence.
Clear answers
Before you decide
When should I start shopping renewal rates?
Ideally 4 to 6 months before maturity.
Do I need to re-qualify at renewal?
Not always, but switching lenders may require qualification.
References
Use the regulator and consumer-agency guidance alongside the written terms of your lender’s offer.
Pragmatic Mortgage Lending · BC
Find the rate that fits the whole mortgage.
We’ll review lender eligibility, penalties and flexibility alongside the payment.