The Blend and Extend Lifeline: Master the Math That Saves Thousands | Your Mortgage Minute

Your Mortgage Minute | Onlendhub · Mar 25, 2026 · 8m

If you locked in a mortgage at under 2% during the pandemic and you're facing renewal in late 2026 or 2027, this episode could save you tens of thousands of dollars.

With over 1 million Canadian mortgages renewing this year and bond yields climbing, the "Renewal Cliff" is getting steeper. But there's a powerful strategy most homeowners don't know about: Blend and Extend.

In this deep-dive episode, co-host Sarah and mortgage expert Mouli break down:

✅ The exact blending formula lenders use (time-weighted averaging explained)

✅ Multiple scenarios analyzed: 6 months vs. 2 years vs. 3 years…