Investment Property Mortgage Renewal — Investor Strategy
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Start 120 Days Out
Mark your renewal date and begin rate shopping four months before — investor files take longer than primary homes.
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Shop Multiple Lenders
Your current lender's renewal offer is a starting point, not the finish line. Brokers submit to monolines, credit unions, and B lenders.
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Switch or Blend-and-Extend
Compare staying, switching at renewal, or blend-and-extend if breaking early doesn't pencil out.
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Coordinate the Portfolio
Stagger renewals, align with refinance plans, and protect cash flow across multiple rentals.
Deep-dive guide
Read our full renewal playbook for negotiation scripts, lender switching, and portfolio timing.
Mortgage renewal strategy for investors →
Owner-occupied and residential-rental stay-vs-switch detail lives on Mortgage Renewal Hub's investment property renewal guide.
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Canadian mortgage renewal guide
Shop 120 days out, negotiate the retention desk, and decide stay vs switch.
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Switching lenders at renewal
Straight switches no longer need the stress test — process, costs, and timing.
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Stress test at renewal
When B-20 still applies (refinance, increase) and when it does not (same-amount switch).
Investor Renewal FAQ
Answers for landlords renewing in 2026.
Investor Renewals
Switching & Portfolio
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