Quick answer: Mortgage Wave does not advertise a numeric current renewal offer on this guide. Request a personalized quote based on your mortgage, borrower profile, property, lender options, and timing. Guide reviewed July 27, 2026.
Compare personalized renewal options
| Renewal option | Current pricing | What to review |
|---|---|---|
| Shorter fixed term | Personalized quote only | Payment certainty and timing |
| Longer fixed term | Personalized quote only | Budget and expected plans |
| Variable term | Personalized quote only | Comfort with lender Prime changes |
Start before maturity
Starting before your maturity date gives time to review your existing lender’s offer and compare personalized alternatives. Switching may involve qualification, legal, appraisal, or discharge considerations depending on the transaction.
What affects your renewal quote
Your remaining balance, borrower qualifications, property, loan-to-value, lender, requested term, and transaction timing can affect renewal pricing and availability.
How to compare renewal options
- Review the maturity date, remaining balance, and existing lender offer.
- Confirm whether you plan to switch lenders, change the mortgage, or borrow more.
- Use the Mortgage Wave calculator to test payment comfort with your quoted options.
- Request a personalized quote before making a renewal decision.
Related MortgageWave resources
Ontario rates hub
Compare all current researched best rates.
Payment calculator
Estimate monthly cost using Canadian compounding.
Renewal help
Compare your bank renewal before signing.
Personalized quote
Confirm live lender availability.
FAQs
Mortgage Wave does not advertise a numeric current renewal offer on this guide. Request a personalized quote based on your mortgage, borrower profile, property, lender options, and timing.
Start before your maturity date so there is time to review your existing lender’s offer and compare personalized alternatives.
Your remaining balance, borrower qualifications, property, loan-to-value, lender, requested term, and transaction timing can affect renewal pricing and availability.
Personalized renewal quotes only. Pricing and availability depend on the transaction and lender assessment. OAC.