If you locked into a 3-year fixed mortgage in 2022 — when rates were at or near historic lows — your term is nearing its end. And whether your rate is 2.49%, 2.99%, or even slightly above that, what comes next could be financially jarring if you're not proactive.
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Thinking of buying a home in Saskatoon this year? You’re not alone — and you’re not the only one making an offer.
When it’s time to renew or refinance your mortgage, don’t just focus on the interest rate—there’s much more to consider. From penalties and hidden fees to choosing between fixed and variable rates, the right decision depends on your financial goals. Whether you're planning a move, accessing home equity, or looking to pay off your mortgage faster, understanding your options can save you thousands. Let’s explore what every homeowner should know before signing on the dotted line.
