Rates & Renewal articles | Top Mortgages Inc

Rates & Renewal

Plain-language articles from Top Mortgages Inc on buying, renewing, refinancing and using your home equity, so you can make your next move with confidence.

13 articles · 5 topics

Rates & Renewal

6 articles

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Rates & Renewal Feb 20, 20263 min read

Buying a New Home Before Selling in Canada: Bridge Financing Explained

Learn how bridge financing works in Canada when buying a new home before selling, including lender rules, costs, and timing.

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Rates & Renewal Feb 17, 20265 min read

Fixed vs Variable Mortgages in Canada: What Borrowers Should Know in 2026

Compare fixed and variable mortgages in Canada. Learn how rates, penalties, and lender rules affect your mortgage choice in 2026.

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Rates & Renewal Feb 5, 20264 min read

What Happens If Your Mortgage Renewal Closes Late (And Why Many Borrowers Get Hurt)

Discover what can happen if your mortgage renewal closes late in Canada — higher rates, penalties, qualification changes, and how to avoid timing issues.

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Rates & Renewal Feb 2, 20264 min read

Mortgage Renewal in Canada: What Happens If You Don’t Shop Your Rate

Renewing your mortgage in Canada? Learn what happens if you don’t shop your rate and how renewal decisions affect long-term costs.

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Rates & Renewal Jan 26, 20263 min read

Should You Lock In a Mortgage Rate in Canada or Wait? A Broker’s Perspective

Wondering whether to lock in a mortgage rate or wait? Learn how Canadian rate locks work and when each approach makes sense.

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Rates & Renewal Jan 15, 20263 min read

Insured vs Uninsured Mortgages in Canada: Down Payments, Rates, and Trade-Offs

Learn the difference between insured and uninsured mortgages in Canada, including down payments, rates, insurance costs, and lender rules.

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