# Mortgage Check-up - January 2026

### January 2026

# New Year's Resolution! Be (mortgage) healthy in 2026.

# The year to save more? It can be. Get your free yearly [mortgage **checkup**](https://www.truenorthmortgage.ca/blog/yearly-mortgage-checkup-canada) now.

## Are higher rates throwing your budget off-diet?

## Want to power up your renewal savings?

## Is your mortgage balance in declining health?

It doesn't hurt to look at your mortgage [options](https://www.truenorthmortgage.ca/blog/yearly-mortgage-checkup-canada) before 2026 takes hold of your time and wallet.

With all your New Year's Resolutions (and even if you don't believe in them) — **getting a mortgage 'physical' now** can help you hit the reset button.

You may **save money and stress** while preparing to be budget-healthier for the upcoming year.

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# 8 Great Reasons for a Mortgage Checkup

1. Ensure your [rate](https://www.truenorthmortgage.ca/rates) is in top shape.
2. Strengthen your [renewal](https://www.truenorthmortgage.ca/blog/worried-about-your-mortgage-renewal) game to save the most — and learn why you [shouldn't accept](https://www.truenorthmortgage.ca/blog/renewal-should-you-stay-or-switch-lenders) your bank's first offer.
3. Free up some extra cash for relaxation.
4. Get back into shape (debt-wise, that is).
5. Access home equity for an energy upgrade.
6. [Pay off](https://www.truenorthmortgage.ca/blog/mortgage-pre-payment-privileges) your mortgage faster for a savings 'second wind.'
7. Enhance [flexibility](https://www.truenorthmortgage.ca/mortgage-solutions/pre-payment-penalties-and-privileges) (in your mortgage conditions).
8. Considering a lifestyle change? Get [pre-qualified](https://www.truenorthmortgage.ca/mortgage-solutions/pre-qualify-in-minutes) to know your affordability limits.

**[START YOUR CHECKUP!](https://www.truenorthmortgage.ca/blog/yearly-mortgage-checkup-canada)**

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## Our checkup is free. We won't make you cough.

It doesn't matter whether you're thinking of buying your [first home](https://www.truenorthmortgage.ca/mortgage-solutions/first-time-home-buyers), or are a current True North client or with another lender.

You could save by [breaking mid-term](https://www.truenorthmortgage.ca/blog/how-much-will-it-cost-to-break-your-mortgage) for a lower rate. Or perhaps you need a [short-term](https://www.truenorthmortgage.ca/mortgage-solutions/complex-mortgages) mortgage solution to get your homeownership goals **back on track**.

Our mortgage checkup service is **free with zero obligation**. Ask us questions, and we go the extra mile to help out.

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# Time to take a quick (mortgage) pulse.

Ensure you've got your [best rate](https://apply.truenorthmortgage.ca/apply-online/start?_gl=1*enxh16*_ga*MTU5NTMxMjkuMTY2OTY1MTkzMQ..*_ga_Y754CEMDXK*MTY3Mjg2MDA2OC4zNy4xLjE2NzI4NjAzNTEuNTQuMC4w&_ga=2.36990819.252127035.1672856034-15953129.1669651931) and [product](https://www.truenorthmortgage.ca/mortgage-solutions) with an expert mortgage broker in your corner.

It's a fantastic way to start a year that already looks uncertain for where [mortgage rates](https://www.truenorthmortgage.ca/blog/mortgage-rate-forecast) and [home prices](https://www.truenorthmortgage.ca/blog/housing-market-forecast) may be going.

**[TALK TO YOUR BROKER!](https://www.truenorthmortgage.ca/company)**
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