Just came across this stuff by accident. Typical American Wild West attitude. Why don`t you try moving into the 21 st century rather than the 19th. Shooting and killing is your answer to everything when a problem or disagreement confronts you personally or your country. No other nation thinks that the Right to Bear Arms is a right for everyday walking down the street. That is why your violence level is the highest in civilized countries and will continue until you grow up. Shoot First and Question later: The American Way. A Canadian

ON Canada - I have seen this happen to friends in the past. I am not sure if it was really automatic or someone called them and they just said yes. Unless there is an issue, the banks would love to keep your business and they may send you a confirmation letter with a deadline that if you do not answer back, the mortgage is renewed automatically. You may not be able to negotiate a better rate though.