Renewal mortgage rates
Renewal offers arrive early, but you do not have to accept the first offer. Compare rates and terms before signing.
Live rate snapshot
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Showing the first 0 cards from 0 matching rates for Renewal · 5-year fixed · $999,999.
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Highlights
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Side-by-side renewal pricing with term filters.
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Use reminders to avoid missed renewal windows.
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Reviewed rate context
This page is maintained by Pragmatic Mortgage Lending for Canadian borrowers comparing rate categories, lender fit, and product trade-offs. Rate tables can change without notice, so final advice still depends on the live lender file and approval conditions.
Reviewed by the Pragmatic Mortgage Lending broker team. Updated May 1, 2026.
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Frequently asked questions
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.