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The HOLM Stretch | January 9th , 2026
Chris Holm & Associates
We want you to know that our team is unique in the way we chose to approach real estate here in the North Okanagan. We are a true real estate co...
We want you to know that our team is unique in the way we chose to approach real estate here in the North Okanagan. We are a true real estate co...
Thanks for stopping by!
Renewing in 2026? Here’s what to plan for now
If your mortgage renewal date is in 2026, you’re not alone. CMHC expects about 1.15 million Canadian mortgages to renew next year.
Ratehub’s outlook for 2026 has one simple takeaway: rates may feel steadier, but renewals won’t feel the same for everyone.
What we’re watching most:
- Variable-rate borrowers: Ratehub expects more stability if the Bank of Canada stays in “hold” mode.
- Fixed-rate renewals: Households coming off the ultra-low 2020 to 2021 fixed rates could see a bigger payment jump at renewal.
- The fixed vs. variable gap: Ratehub recently cited “best available” lows around 3.45% variable vs 3.94% fixed. That difference matters, but it still has to fit your comfort level and your monthly budget.
If you’re renewing this year or next, here’s a quick planning checklist that’s actually worth doing:
- Confirm your renewal month and your remaining balance.
- Run two payment scenarios (one fixed, one variable).
- Stress test the budget. If income changed for a few months, would the payment still feel manageable?
- Decide what matters most for you: certainty, flexibility, or lowest payment today.
If you’d like, just reply with your renewal month and we can put together a quick comparison to help you see your options clearly before you decide.
Talk soon,
CHRIS, PATRIC, JULIE, JASMINE, KRISTI & BRELL
Scroll down for our regular real estate and community features.
In North Okanagan Real Estate
As of the morning of Friday January there are 647 homes showing as active listings here in North Okanagan. On January 2nd there were 646.
Sales ranged from $280,000. to $965,000. Days to sell ranged from 20 to 167. 7 listings expired, 17 were cancelled.
16 prices were reduced over the last week.
Scroll down for our market recap for Vernon, Armstrong, Coldstream & Enderby real estate activity in the last 7 days.
$280,000.
Low Sale
34
New Listings
$,965,000.
High Sale
14
Listings Sold
ICYMI...
WHAT'S HAPPENING?
WHAT ELSE WE ARE TALKING ABOUT
The timing question, handled.
The “best time to list” depends on your timeline and your home, not a headline.
This checklist walks through the few decisions that usually settle the timing question.
And if you want a quick “list now vs later” consult? Just reach out.
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MAKING TRACKS
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WEEKLY REAL ESTATE REPORT
Armstrong BC Real Estate Recap
A look at Armstrong Spallumcheen Market Activity for the last 7 days.
2
New Listings
4
Listings Sold
0
Price Up
2
Price Down
Vernon BC Real Estate Recap
A look at the Vernon market activity in the last 7 days
21
New Listings
8
Listings Sold
0
Price Up
11
Price Down
Coldstream BC Real Estate Recap
A look at Coldstream market activity over the last 7 days
5
New Listings
2
Listings Sold
0
Price Up
2
Price Down
Enderby BC Real Estate Recap
A look at Enderby /Grindrod BC market activity over the last 7 days
3
New Listings
0
Listings Sold
0
Price Up
0
Price Down