Address the mortgage renewal wave hitting Calgary homeowners who locked in at higher rates and now face renewal decisions. Cover: why accepting your bank’s first renewal offer costs Calgary homeowners an average of $3,000–$8,000 over the new term, the 120-day early renewal window strategy, switching lenders at renewal with no penalty breakdown, Calgary-specific refinance opportunities using home equity gained since purchase, and HELOC access strategies for Calgary homeowners who have built significant equity. Include a renewal savings calculator showing potential savings vs. auto-renewal.