# Can you switch from 30 back to 25 years at renewal?

> Switching from 30 back to 25 years at renewal is allowed on uninsured mortgages, but only triggers requalification if you switch lenders — same-lender renewals keep you inside the straight-switch carve-out.

Category: Purchasing
Last verified: 2026-02-18
Source: https://ratellow.com/faqs/purchasing/can-you-switch-from-30-back-to-25-years-at-renewal

## Answer
### Section Summary

- Advice: Take the 30-year term for 'Safety' but set your bi-weekly payments to the 25-year level.
- Strategy: Focus on the FHSA to build a larger down payment if you wants to avoid the 30-year interest trap.

## Related guide
- https://ratellow.com/guides/amortization-25-vs-30-years

## Sources
- BANKOFCANADA — https://www.bankofcanada.ca/2025/07/staff-analytical-note-2025-21/#Introduction