The Negative Amortization Trap | Your Mortgage Minute

Your Mortgage Minute | Onlendhub · Aug 27, 2026 · 6m · transcript

Negative amortization is quietly reshaping renewal outcomes for Canadian homeowners with variable-rate, fixed-payment mortgages. In this episode, we break down how balances grow even with on-time payments, how trigger rates work in practice, and what to do before your renewal hits. You will learn how to quantify your current position, compare reset versus refinance versus switch strategies, and see concrete dollar examples of payment and balance changes at renewal. This is essential listening for anyone who took out a variable mortgage between twenty twenty and twenty twenty-two and wants to…