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I sat in on a webinar this week geared toward different mortgage options for my self-employed buyers and it reinforced something we all know to be true: mortgages, just like the homes we choose to live in, are deeply personal. There’s no one-size-fits-all solution and what works for one household may not fit the next.
For many Ontario homeowners, 2026 is shaping up to be a pivotal year. A large wave of mortgages are set to renew, and for some, that could mean shifts to monthly payments, rates, or overall affordability. This isn’t meant to scare you – it’s meant to prepare you. Understanding what’s ahead gives you more control over how you navigate it.
If you’re coming up on a renewal or considering a move next year, talking with a mortgage professional now can make a meaningful difference. They can walk you through your income qualifications, clarify your current affordability, and help you evaluate your options before you’re up against a deadline.
Don’t just let things happen, make them happen!
If you’d like an introduction to a mortgage professional who can help you map out your next steps, just send me a message and I’ll set it up.
While I have you, if you don’t receive my weekly Deal of the Week, you missed out on my new exclusive listing, a 4 bedroom bungalow in Trenton’s west end that has everything you need, right where you want it. Reply any time for details you won’t find on the MLS! 😉
Until next time,
Sarah Fothergill
Sales Representative
Century 21 Lanthorn Real Estate Ltd. Brokerage
Direct: 613 315 9365
Let’s Connect: @fothergill.realestate
Get Mind the Market every Thursday. One short email with what’s really happening in the Bay of Quinte market, in plain English. Subscribe here, or book a time to talk.
Originally sent to Mind the Market subscribers on November 20, 2025.
