Your Mortgage Minute | Onlendhub
Your Mortgage Minute is a short, straight‑talk podcast that helps Canadians make smarter mortgage and homeownership decisions in just a few minutes a day. Each episode breaks down one practical topic—like pre‑approvals, refinancing, renewals, or first‑time buyer incentives—into clear, jargon‑free tips you can actually use. Whether you’re buying your first home, renewing your mortgage, or trying to pay off debt faster, Your Mortgage Minute gives you quick guidance so you feel confident.
Your Mortgage Minute | Onlendhub
60% of Canadians Are Renewing in 2026—Here's Your Survival Plan
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Is your mortgage renewing in 2026? Don't sign that renewal letter without listening to this first. Around 60% of Canadian mortgages are up for renewal by the end of this year, and roughly 40% of borrowers are facing HIGHER rates than what they locked in five years ago.
If you secured your mortgage in 2020 or 2021 at 1.7-2.5%, you could be looking at renewal rates of 4-4.5%—that's an extra $500 to $800 per month for many homeowners. This episode gives you the complete playbook to navigate one of the most challenging renewal environments in Canadian mortgage history.
🎯 WHAT YOU'LL LEARN IN THIS EPISODE:
• Why 60% of mortgages are renewing in 2026 and what payment shock really means
• How to calculate your new payment before the bank tells you
• The 6-month early start strategy (NOT 21 days before renewal!)
• Negotiation tactics that actually work with your lender
• How to leverage competing quotes from 65+ lenders
• What to do if you CAN'T afford the new payment
• Options: extending amortization, blend-and-extend, switching lenders
• When to consider refinancing vs. staying put
• Current best renewal rates in Canada (3.84% fixed, 3.45% variable as of January 2026)
🏦 WHY BANKS COUNT ON YOUR INACTION:
Your lender sends a renewal offer hoping you'll just sign it without shopping around. They call this the "loyalty tax"—charging loyal customers MORE because they assume you won't leave.
By working with OnLendHub's network of 65+ lenders and 7,000+ mortgage products, you force the market to compete for your business.
🎧 ABOUT YOUR MORTGAGE MINUTE:
Your Mortgage Minute is a weekly podcast helping Canadians make smarter mortgage decisions. Each 5-minute episode breaks down complex mortgage topics into clear, actionable strategies.
Whether you're renewing, refinancing, or buying your first home, we give you insider knowledge from licensed mortgage professionals.
Subscribe on Spotify, Apple Podcasts, YouTube, and everywhere you listen to podcasts.
About Your Mortgage Minute:
Your Mortgage Minute delivers straight-talk mortgage education for Canadians navigating the 2026 rate environment. Each episode breaks down one practical topic with real math, real examples, and actionable strategies—no fluff, no sales pitch, just insights you can use.
Useful links:
👉 [BOOK A FREE 30-MINUTE CONSULTATION] Speak directly with an expert to run your numbers. https://onlendhub.ca/book-a-call
🚀 [APPLY ONLINE IN MINUTES] Skip the paperwork and start your mortgage strategy securely from your phone or computer. https://onlendhub.ca/apply-now/
Disclaimer: This podcast provides educational information only and does not constitute financial advice. Mortgage terms, rates, and regulations vary by lender and individual circumstances. Consult with a licensed mortgage professional before making financing decisions. AI has been used in the production of this podcast.