Free guide · 2026
How to Save Thousands on Your Mortgage in 2026
The real numbers on rates, renewals, and refinancing right now — plus 5 moves that actually lower what you pay.
Rates as of Sept 2026
- BoC overnight rate
- 2.25%
- Prime rate
- 4.45%
- Best 5-yr fixed
- ~4.04%
- Best 5-yr variable
- ~3.35%
Rates are illustrative and change frequently — get your exact rate from Rahul.
What's inside
- The renewal mistake that costs homeowners thousands
- When breaking your mortgage early actually saves you money
- The prepayment trick most people never use
- How to know if you should go fixed or variable right now