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Behind the Business • 21 January 2026

Mortgage Renewals to Watch in 2026

by Barbara Scarlett

In our meeting today, mortgage specialists shared that approximately 60% of all Canadian mortgages are coming up for renewal in 2026. What makes this notable is that homeowner situations will vary depending on when they purchased over the past five years. Some homeowners may face affordability challenges, while others will have built significant equity. Either way, the volume of mortgage renewals expected in 2026 will be substantial.

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