Chart 3: Change in monthly payments at renewal depends on the type of mortgage https://www.bankofcanada.ca/?p=246630 x All (2026 renewal) All (2025 renewal) Fixed rate with a term of less than 5 years (2026 renewal) Fixed rate with a term of less than 5 years (2025 renewal) Fixed rate with a term of 5 years or more (2026 renewal) Fixed rate with a term of 5 years or more (2025 renewal) Variable rate, fixed payments (2026 renewal) Variable rate, fixed payments (2025 renewal) Variable rate, variable payments (2026 renewal) Variable rate, variable payments (2025 renewal) -19.100.010229660.000000000.026590180.000000000.000000000.000000000.000000000.000000000.000000000.00000000 -18.800.014756570.000000000.038357090.000000000.000000000.000000000.000000000.000000000.000000000.00000000 -18.500.014756570.000000000.038357090.000000000.000000000.000000000.000000000.000000000.000000000.00000000 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