Search volume for these exact phrases has surged to levels not seen since the 2009 financial crisis. And in January 2026, the reason is clear: higher payments, tighter bank rules, and a wave of homeowners facing mortgage renewal shock at rates they never planned for.
At Lendworth, we’re seeing the same trend on the ground — phones ringing, inboxes filling, and homeowners urgently looking for solutions that actually work.
Mortgage Rates Are Dropping — But Not Everyone Benefits
Searches for “mortgage rates” and “30-year fixed” spiked sharply in early January 2026 after rates dipped below 6% for the first time in years.
But here’s the reality most headlines don’t explain:
✔ Rates may be lower
✘ Bank approvals are harder
✘ Stress tests still apply
✘ Income rules haven’t loosened
That’s why many Canadians searching mortgage rates are also searching “help with my mortgage” — because knowing the rate doesn’t mean you qualify.
Private mortgage solutions fill that gap.
Refinance Mortgage Searches Are Surging — Here’s Why
When rates moved, “refinance” and “refinance mortgage” searches jumped immediately. Industry forecasts now expect a 30% increase in refinance volume in 2026.
Homeowners are refinancing to:
Escape high variable rates
Consolidate debt
Replace frozen HELOCs
Reset cash flow
The problem?
Many banks are declining refinances even when there’s equity.
At Lendworth, we refinance based on property value and equity, not rigid bank formulas — making refinancing possible when others say no.
Mortgage Renewal in Canada: The Silent Crisis of 2026
In Canada, “mortgage renewal” has become one of the most searched mortgage terms this year — and for good reason.
Thousands of homeowners are renewing from:
1.5% → 5.5%+
2% → 6%+
That payment shock is devastating household budgets.
If your bank renewal offer feels impossible, you’re not failing — the system changed.
Private mortgages are now a common renewal strategy, giving homeowners time, flexibility, and a clear exit back to the bank later.
First-Time Buyers Are Still Searching — But Playing Smarter
Despite affordability challenges, searches for “first-time buyer”, “first-time home buyer programs”, and “down payment assistance programs” remain strong.
First-time buyers in 2026 are:
Using family equity instead of savings
Buying with alternative lenders first
Planning a refinance later
At Lendworth, we regularly help first-time buyers get in now with flexible financing — instead of waiting years while prices and rents climb.
Why “Help With Mortgage Payments” Keeps Trending
This isn’t panic — it’s adaptation.
Canadians aren’t walking away from homes. They’re restructuring:
Second mortgages instead of credit cards
Equity loans instead of personal loans
Private lenders instead of banks
Searching “help with mortgage payments” means homeowners are proactive — and that’s where the right solution matters.
How Lendworth Helps When Google Says “Help With Mortgage”
Lendworth specializes in real solutions for real homeowners, including:
✔ Mortgage renewal solutions
✔ Refinance mortgages (bank & private)
✔ First and second mortgages
✔ Home equity loans
✔ Help with mortgage payments
✔ Flexible approvals when banks decline
We lend based on equity, not excuses.
Talk to a Mortgage Expert Who Understands 2026
If you’re searching:
help with mortgage
mortgage rates
refinance mortgage
mortgage renewal
first-time buyer
You’re already taking the right first step.
📞 Call Lendworth: 905-597-1225
Your equity deserves more™