Rates are always top of mind and in 2026, most experts expect them to be fairly steady, not jumping up or down dramatically. That means fixed rates may stay higher than what we saw years ago, and variable rates will still be a good fit for some borrowers. There’s no one-size-fits-all answer. What matters most is choosing a plan that fits your comfort level and goals.

Here are a few easy things you can do this year:

:•Know when your mortgage renews

•Ask questions early even if you’re “just thinking”

•Review your budget and future plans

•Reach out if you want a second opinion

In a more balanced market, working with a mortgage broker and having the right advice matters even more. I will help you compare options across multiple lenders, help you understand the numbers in plain language, and look at solutions beyond just a standard mortgage when needed.

Remember, I work for you. My goal is to help you feel confident and prepared, not rushed, or confused. 2026 doesn’t look scary, it just looks different. With the right plan and the right support, there are great opportunities ahead.

If you ever want to talk through your situation or see what options might work for you, I’m always happy to help.