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How to switch lenders at renewal in Canada: the 2026 stress-test rules, real transfer costs in CAD, a worked example, and the 120-day timeline.
Why you should never just sign your BC mortgage renewal letter. Real savings examples, negotiation scripts, when to switch lenders, and how BC's high balances make every basis point worth fighting for.
Cash-back at renewal feels like free money. Run the 5-year math and it often costs $5K-$10K more than the lower-rate alternative.
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