Your renewal is the perfect opportunity to renegotiate your rate, restructure your mortgage, and potentially save thousands.
When your mortgage term ends, your lender will send a renewal letter — and 70% of Canadians sign it without shopping around. That means most homeowners miss the chance to save thousands of dollars simply by comparing rates. Your renewal is a moment of opportunity, not just paperwork.
Whether your needs have changed or you simply want a better rate, this is the time to explore your options. We shop across 50+ lenders to make sure you get the best deal — not just the convenient one.
Click each milestone to learn what to do and when.
Don't wait for your lender's renewal letter. Contact us 4 months before your term ends. We can lock in a rate up to 120 days in advance — protecting you from any rate increases while we shop for the best deal.
We'll present you with the best rates from multiple lenders. This is also the time to decide if you want to consolidate debt, change your payment frequency, or adjust your amortization.
Your bank will mail you a renewal form. Don't sign it yet! Compare their offer against the rates we've found. In most cases, we can beat it — often by 0.5% or more.
Choose the best option — whether it's staying with your current lender at a negotiated rate, or switching to a new one. We handle all the paperwork either way.
Your new mortgage kicks in automatically. If you switched lenders, we coordinate the entire transfer. No gap, no stress, no missed payments.
Enter your mortgage details to see the potential savings from a lower renewal rate.
Don't leave money on the table. Let us shop 50+ lenders and find you a better rate — it's free and takes 10 minutes.
