# What is the strategic implementation roadmap for a 2026 blend-and-extend?

> The roadmap involves a pre-audit at 180 days, locking a 'floor' rate at 120 days, and executing the blend 60 days before maturity to capture the final averaging benefit.

Category: Renewal
Last verified: 2026-02-18
Source: https://ratellow.com/faqs/renewal/what-is-the-strategic-implementation-roadmap-for-a-2026-blend-and-extend

## Answer
**Execution Steps:**
1. Run Ratellow Blend Simulator 6 months out.
2. Request 'Retention Special' rate from existing lender.
3. Verify amortization remaining vs. 30-year eligibility.

## Related guide
- https://ratellow.com/guides/blend-and-extend-strategy

## Sources
- How will mortgage payments change at renewal? — https://www.bankofcanada.ca/2025/07/staff-analytical-note-2025-21/#The-results
- Clarifying OSFI's guidance on rental income — https://www.osfi-bsif.gc.ca/en/risks/real-estate-secured-lending/clarifying-osfis-guidance-rental-income-mortgage-classification