Let’s talk about a little-known mortgage move that could save you thousands—without you needing to cough up a penalty fee out of pocket.
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Should You Renew or Refinance Your Mortgage?
If your mortgage term is coming to an end (and you’re one of millions of Canadians in that boat), you’re probably laser-focused on locking in a great rate. But while most folks automatically think about renewing, there’s another option that could seriously shift your financial game: refinancing. Let’s break it down in a way that actually makes sense—and helps you decide which move works best for you.