As we wrap up 2025, many Canadian homeowners and buyers are taking a moment to review their financial plans—especially when it comes to mortgages. December is always a time for reflection, but this year, the shifting economic landscape has made mortgage planning even more important.

Throughout 2025, we’ve seen greater stability in both fixed and variable mortgage rates. After several years of volatility and rapid adjustments, the market has finally found some balance

December is a month of planning, reflection, and preparation. Whether you’re looking to renew, refinance, purchase, or simply get clarity on your options, now is the perfect time to review your mortgage strategy.

Even if you’re not ready to make a change today, getting informed now sets you up for a stronger position in 2026

Refinancing your mortgage can be a smart way to access the funds you need for home improvements—especially when the renovations are big-ticket items like kitchens, bathrooms, additions, or major repairs.

There are a number of different ways to access your equity.  You can refinance and lock into a new mortgage amount allowing access to funds to complete your renovations all at once or you can also look at adding a Home Equity Line of Credit, only pay on what you use.

If you have solid equity, and want to learn about how your equity can help you achieve your renovation goals, give me a call to talk about your options.