Renewing your mortgage might seem straightforward, but timing can make a big difference. Whether you’re renewing for a better rate or looking to adjust your term, understanding the right timeline can save you money and stress. Here’s what Alberta homeowners should know about when to renew a mortgage  and how to prepare for it. When Can You Start Renewal Negotiations? Most lenders allow you to start discussing your renewal 120 to 180 days before your current term ends . This