Reviewed by Scott Dillingham · Licensed Mortgage Broker · Updated June 1, 2026
Plan Your Renewal Timing
Enter your maturity date for 30 / 60 / 120-day action lists, calendar download (.ics), or optional email to our team. Classic windows: 6 months to shop, 4 months to lock a rate hold.
6 months out — start shopping
Pull your mortgage statement, confirm your charge type (standard vs. collateral), and line up a broker to start gathering competing offers.
4 months out — lock a rate hold
Most Canadian lenders hold a rate for up to 120 days. This is your window to secure today's best rate and use it as leverage against your current lender.
Why these two windows?
4 months is the maximum rate hold Canadian lenders offer — lock before that and you're exposed to rate increases. 6 months gives you a runway to find the right broker, gather documents, and not feel rushed. Anything inside 3 months cuts your negotiation leverage.
Plan your renewal timing
Enter your maturity date for 30 / 60 / 120-day action lists, calendar download, or optional email to our team.
Why Not an Email Subscription?
A static reminder email 6 months from now doesn't beat what a broker can do today. When you book a free strategy call, a licensed broker builds a timeline based on your actual renewal date, locks a rate hold at the right moment (up to 120 days before maturity), and shops 30+ lenders on your behalf — not just the Big 6.
Too early to book? Bookmark this page and come back when you're inside 6 months of your renewal date. Add our current rates page to your bookmarks too — updated weekly.
Related Guides
Renewal Checklist
120-day countdown: every task from offer review to signing.
Rate Alert Signup
Get notified when renewal rates move — weekly update.
Book a Free Strategy Call
15-minute call with a licensed broker — free, no obligation.
Complete Mortgage Renewal Guide
Everything Canadians need to know about renewing a mortgage in 2026.
Best Mortgage Renewal Rates
Current best renewal rates — fixed and variable — across Canada.
Top Renewal Mistakes to Avoid
The costliest errors Canadians make at renewal — and how to dodge them.