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Mortgage Renewal Shock 2026: What Canadian Homeowners Need to Know

  The Reality: Over 60% of Canadian mortgages are renewing in 2025 and 2026—many at rates significantly higher than their original terms. While some homeowners will see relief, others face payment increases of 15–40%. This guide will help you understand what's happening, run the numbers, and explore your options before your renewal date arrives. The Big Picture: What's Happening in 2026 Canada is experiencing a historic wave of mortgage renewals. A large cohort of mortgages originated during the pandemic's historic low-rate period—when rates hovered around 2% or lower in 2020–2021—are now maturing and resetting at today's rates. The Bank of Canada staff estimate that roughly 60% of outstanding mortgages will renew in 2025 and 2026, making this the most significant renewal cycle in decades. In 2026, the average mortgage renewal increase is projected to moderate to around 6%, though individual experiences vary dramatically depending on mortgage type and renewal timing. W...
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12 Risk Factors That Could Lead to Dementia Before the Age of 65

 


Dementia is a debilitating condition that affects millions of people worldwide.  According to a recent study, there are 12 risk factors that could lead to dementia before the age of 65. These factors include loneliness, hearing impairment, and alcohol misuse, among others . However, the good news is that tackling these health and lifestyle factors can significantly reduce the chances of developing dementia before the age of 65.

The good news is that these risk factors can be tackled by making some simple lifestyle changes. For example, staying socially active, getting regular exercise, and avoiding excessive alcohol consumption can all help reduce the risk of developing dementia. Additionally, maintaining a healthy diet, getting enough sleep, and managing stress levels can also help reduce the risk of developing dementia .

It’s important to note that while these lifestyle changes can help reduce the risk of developing dementia, they are not a guarantee against the condition. However, by making these changes, you can significantly improve your chances of maintaining good brain health and reducing the risk of developing dementia before the age of 65.


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