{"id":40642,"date":"2025-06-10T08:00:45","date_gmt":"2025-06-10T12:00:45","guid":{"rendered":"https:\/\/ginsberg-gingras.com\/?p=40642"},"modified":"2025-08-01T05:20:46","modified_gmt":"2025-08-01T09:20:46","slug":"renewing-your-mortgage-what-to-know-before-you-sign","status":"publish","type":"post","link":"https:\/\/ginsberg-gingras.com\/en\/renewing-your-mortgage-what-to-know-before-you-sign\/","title":{"rendered":"Renewing your mortgage: what to know before you sign"},"content":{"rendered":"<p><span style=\"font-weight: 400\">When it\u2019s time for a mortgage renewal, some people feel compelled to sign quickly without asking too many questions. However, this crossroads \u2013 which will come up several times over the course of your life \u2013 can directly impact your finances in the short, medium, and long term.<\/span><\/p>\n<p><span style=\"font-weight: 400\">With interest rates on the rise over the last few years and variable rates in flux, certain decisions can be a boon for your budget\u2026 or put you in a precarious financial situation. This article will help you better understand the steps involved in a renewal, the pitfalls to avoid, and the options available to you.<\/span><\/p>\n<h2><b>How does a mortgage renewal work?<\/b><\/h2>\n<p><span style=\"font-weight: 400\">A mortgage renewal marks the end of one term and the start of a new contract for the remainder of your loan (the most common term lengths are 1, 3, and 5 years). It\u2019s an opportunity to negotiate a new interest rate, review your repayment period, or even consider refinancing.<\/span><\/p>\n<p><span style=\"font-weight: 400\">When you renew, you can:\u00a0<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400\">Accept your current lender&#8217;s renewal offer<\/span><\/li>\n<li><span style=\"font-weight: 400\">Shop around for more favourable terms from other financial institutions<\/span><\/li>\n<li><span style=\"font-weight: 400\">Hire a mortgage broker to compare different options and get a more advantageous rate<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">It&#8217;s best to start evaluating your options 4 to 6 months before the end of your term. That will give you plenty of time to compare rates, speak with a broker if you want, and think about potential adjustments without the stress. Some lenders will even let you lock in a rate up to 120 days in advance \u2013 which is great when rates are volatile.<\/span><\/p>\n<h2><b>How interest rate hikes directly impact your budget<\/b><\/h2>\n<p><span style=\"font-weight: 400\">Current interest rates are significantly higher than they were just 3 to 5 years ago. Homeowners who previously had a favourable rate are therefore likely to feel the burn when their mortgage comes up for renewal.<\/span><\/p>\n<p><span style=\"font-weight: 400\">In 2020, many borrowers had a fixed rate of 2% or less. In 2025, these same loans are hovering around 5% or 6%. On a $300,000 mortgage loan amortized over 25 years, the associated monthly payment will have risen from $1,270 to more than $1,840 \u2013 an increase of more than $570 every month.<\/span><\/p>\n<p><span style=\"font-weight: 400\">If you maintain the same amortization period (for example, 15 years remaining), this increase can put serious pressure on your budget, especially if you\u2019re already feeling squeezed by the rising cost of living. That\u2019s why it\u2019s essential to take the time to evaluate your options before signing a renewal.<\/span><\/p>\n<h2><b>Amortization extensions for short-term relief<\/b><\/h2>\n<p><span style=\"font-weight: 400\">One way to offset higher payments is to extend the repayment period for your loan. By increasing the amortization period \u2013 for example, from 15 to 20 years \u2013 your monthly payment will become more affordable.<\/span><\/p>\n<p><span style=\"font-weight: 400\">This solution can offer some relief. But it also comes with an asterisk: the total cost of your mortgage will go up, because you will be paying more interest over a longer period of time.<\/span><\/p>\n<p><span style=\"font-weight: 400\">In some cases, it\u2019s a necessary compromise to create a little breathing room. It\u2019s not inherently a bad move, but it\u2019s important to understand the long-term implications, especially when it comes to the equity accumulated in your house or condo and preparing for retirement.<\/span><\/p>\n<h2><b>Refinancing to pay off debt: proceed with caution<\/b><\/h2>\n<p><span style=\"font-weight: 400\">Renewing your mortgage can also be an opportunity to borrow a little more than the remaining balance. Refinancing applies to the equity you\u2019ve accumulated in your home \u2013 the amount you\u2019ve already paid off and any increase in the property&#8217;s value. The additional money borrowed can be used to pay off higher-interest debts, like credit cards.<\/span><\/p>\n<p><span style=\"font-weight: 400\">On paper, it seems logical: you\u2019re replacing high-interest debt with a loan at a lower rate. But in reality, you&#8217;re extending your debts over a very long time period, which can make them even more costly in the long run.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Above all, if those credit cards remain active and you don\u2019t change your spending habits, there\u2019s a high risk that you\u2019ll <a href=\"https:\/\/ginsberg-gingras.com\/en\/overindebtedness-how-do-you-know-when-youre-in-too-deep\/\">fall back into debt<\/a>. That\u2019s why it\u2019s essential to have a strategy in place and integrate this decision into a broader financial recovery plan.<\/span><\/p>\n<h2><b>Never lose sight of your long-term goals<\/b><\/h2>\n<p><span style=\"font-weight: 400\">In our day-to-day lives, it\u2019s normal to look for ways to reduce our spending. But don&#8217;t forget the bigger picture: a mortgage is also a tool for building value.<\/span><\/p>\n<p><span style=\"font-weight: 400\">The faster you pay off your loan, the more equity you\u2019ll build. And as retirement approaches, a paid-off property represents an important safety net, especially as your income decreases.<\/span><\/p>\n<h2><b>What if you locked in a high rate?<\/b><\/h2>\n<p><span style=\"font-weight: 400\">You may have renewed your mortgage or purchased your property at a time when rates were at their highest, leaving you with very little wiggle room. Now that some people are talking about a potential drop, you may be wondering if it\u2019s possible to renegotiate.<\/span><\/p>\n<p><span style=\"font-weight: 400\">It <\/span><i><span style=\"font-weight: 400\">is<\/span><\/i><span style=\"font-weight: 400\"> possible \u2013 but it\u2019s also not free. Breaking your mortgage contract before the end of your team almost always incurs a penalty. The amount will depend on the type of rate, the time left on the contract, and the conditions of your loan. Switching to a different institution or reopening a mortgage can also entail notary fees, certificate of location fees, and other charges.<\/span><\/p>\n<p><span style=\"font-weight: 400\">If you\u2019re already on a tight budget, it\u2019s best to check whether this decision would really bring relief \u2013 or if it might add additional pressure. <a href=\"https:\/\/ginsberg-gingras.com\/en\/what-can-you-do-if-you-cant-pay-off-your-debts\/\">Other approaches<\/a> might help you lighten your load.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Each choice you make today \u2013 prolonging, refinancing, renegotiating \u2013 has a future impact. It\u2019s all about finding a balance between instant relief and long-term stability.<\/span><\/p>\n<p><span style=\"font-weight: 400\">If your main concern when it\u2019s time to renew is reducing your monthly payments, it&#8217;s worth talking to an expert.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Our licensed insolvency trustees can help you take stock, without pressure or judgment. <\/span><a href=\"https:\/\/ginsberg-gingras.com\/en\/book-an-appointment\/\"><span style=\"font-weight: 400\">Book a free appointment<\/span><\/a><span style=\"font-weight: 400\">.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>When it\u2019s time for a mortgage renewal, some people feel compelled to sign quickly without asking too many questions. However, this crossroads \u2013 which will come up several times over the course of your life \u2013 can directly impact your finances in the short, medium, and long term. With interest rates on the rise over [&hellip;]<\/p>\n","protected":false},"author":35,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1115,650,667,648,651,1065],"tags":[],"class_list":["post-40642","post","type-post","status-publish","format-standard","hentry","category-actualite-en","category-actualite","category-blog","category-blogue","category-conseils","category-conseils-en"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Mortgage renewal pitfalls to avoid<\/title>\n<meta name=\"description\" content=\"Rates on the rise? Debts to manage? 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