# Mortgage Insights – Fall 2026

![Fall Refinance](https://d2r7yk1mqahd04.cloudfront.net/content-images/Fall-Refinance.png)
# Orchard you glad it's fall?

## What's not falling? Rates.

## Economic uncertainty is upsetting the (mortgage) apple cart.

### Let's get to the core of mortgage news — and how you can save more this season.

A steady stream of roiling geopolitical and trade news — like sustained higher oil prices, more tariffs, rising inflation pressures, and a stressed-out [bond market](https://www.benefitsandpensionsmonitor.com/news/industry-news/canadian-bond-yields-track-us-selloff-while-bank-of-canada-holds/394203) — is bruising [housing markets](https://www.truenorthmortgage.ca/blog/housing-market-forecast) and [rate forecasts](https://www.truenorthmortgage.ca/blog/mortgage-rate-forecast) in Canada.

The best 5-year fixed rate is up about 0.45% since mid-August, and variable rates are also likely to rise this year — now's a good time to assess your [rate preference](https://www.truenorthmortgage.ca/blog/variable-vs-fixed-mortgage-rates) for upcoming home purchase or [renewal](https://www.truenorthmortgage.ca/tools/mortgage-renewal-reminder) decisions.

We also have good news to share, with advice on **budget strategies**, using your **crypto** toward a home down payment, and home **maintenance tips** to protect your investment in doors, windows, and a roof over your head.

## Grab a bushel of timely mortgage advice.

### Faster Mortgage Payoff

The wind in your hair? That's the feeling of saving on interest with pre-payment privileges — if you have them.

[READ MORE](https://www.truenorthmortgage.ca/blog/mortgage-pre-payment-privileges)

### More Ways to Save

With higher prices and rising rates, here are 12 ways to calm your budget woes this fall — our experts help make it stress-free.

[READ MORE](https://www.truenorthmortgage.ca/blog/all-the-ways-to-save-on-your-mortgage)

### Crypto Down Payments

Crypto is still cryptic. Here's how lenders treat your crypto and how you can use it to buy a home on a block you like.

[READ MORE](https://www.truenorthmortgage.ca/blog/crypto-mortgage-down-payment)

### Fall Home Maintenance

Orange and red leaves are a colourful hint that winter is on its way. Get to these home tasks before the white stuff flies.

[READ MORE](https://www.truenorthmortgage.ca/blog/fall-home-maintenance)

## Thinking of a fall refinance? Rake in more funds to consolidate debt or spread it out to invest or upgrade.

[FEELING BURIED?](https://www.truenorthmortgage.ca/blog/refinance-for-funds)

## Apple-pie spice and everything nice.

[COZY UP TO SAVINGS WITH OUR GREAT RATES](https://www.truenorthmortgage.ca/rates)

[IS NOW A GOOD TIME FOR A VARIABLE RATE?](https://www.truenorthmortgage.ca/blog/should-you-choose-a-variable-or-fixed-rate)

## Worried about your renewal?

[Calculate payments here](https://www.truenorthmortgage.ca/tools/renewal-calculator)

**OR**

## Buying a home?

[Apply now for your best rate](https://apply.truenorthmortgage.ca/apply-online/start)

## Wait, there's more!

- [Have weird income? This mortgage might be for you](https://www.truenorthmortgage.ca/blog/introducing-compass-alternative-mortgage)
- [Are housing markets in for a spoiled recovery?](https://www.truenorthmortgage.ca/blog/housing-market-forecast)
- [Ontario HST rebate improves new-home sales](https://www.truenorthmortgage.ca/blog/ontario-hst-rebate)
- [Here's what to know about protecting your mortgage](https://www.truenorthmortgage.ca/blog/mortgage-protection-insurance-explained)
- [The dreaded penalty? It's why your rate is lower](https://www.truenorthmortgage.ca/blog/mortgage-penalty-lowers-rates)

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