Renewal Calculator Worked Examples
Each page re-prices a remaining balance at a pinned incoming quote and shows payment shock against the maturing coupon. Stay-put is untested. An uninsured straight switch has been exempt from the prescribed qualifying rate since late November twenty twenty-four; stretching amortization or pulling equity is a refinance. Remaining balances are spaced more than twenty percent apart, and each file varies province, frequency, remaining clock, or the direction of the coupon move.
Payment shock on a $280,000 Ontario renewal from 1.99%
Small remaining balance, pandemic-era coupon, twenty years left — the shock is the rate, not the size.
$280,000
Bi-weekly shock on a $400,000 Alberta renewal from 2.49%
Alberta remaining balance on a bi-weekly schedule, leaving a two-handle coupon, twenty-two years left.
$400,000
Payment shock on a $520,000 B.C. renewal from 2.89%
Coastal remaining balance with strata-scale carrying costs around it — the coupon gap is only part of the shock.
$520,000
Payment shock on a $680,000 uninsured Ontario renewal from 1.74%
Uninsured Ontario remaining balance, ultra-cheap coupon, only eighteen years left — shock compressed into a shorter clock.
$680,000
A rate-drop renewal on an $850,000 Quebec remaining balance
Quebec remaining balance leaving a five-handle coupon for a lower pinned quote — relief, with hypothec mechanics unchanged.
$850,000
Payment shock on a $1,100,000 Ontario renewal from 3.49%
Jumbo remaining Ontario balance that still has a full twenty-five-year clock — a late origination, not a late-cycle leftover.
$1,100,000
Last verified: 2026-09-12