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In BC, the average gap between a posted renewal offer and a broker rate is roughly 0.40%. On a $700K balance, that's $15,000+ over 5 years.
Ontario renewals in 2026 hinge on three things: GTA pricing spreads, Ontario LTT exemptions, and which lenders will switch you for zero out-of-pocket.
Most homeowners renew on autopilot. The ones who use this 12-point checklist routinely save $8,000-$20,000 per term.
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