Mortgage RenewalsDone Right
Your renewal is the perfect opportunity to get a better rate. Let's explore your options and find the best deal across 50+ lenders.
Your Renewal Advantage
Most homeowners leave money on the table at renewal. Here's why working with a broker makes the difference.
Better Rates Available
Your bank's renewal offer is rarely their best rate. We find what you actually deserve.
Penalty-Free Switch
At renewal, you can switch lenders with no penalties. It's your window of opportunity.
50+ Lenders Compared
We shop the entire market to find the best rate and terms for your situation.
Negotiation Leverage
Armed with competing offers, we negotiate your best possible rate.
The Renewal Timeline
Don't wait until the last minute. Starting early gives you leverage and options. Here's when to take action for the best results.
6 Months Before
Start the conversation. We review your current mortgage and outline a plan.
4-5 Months Before
We gather quotes from multiple lenders to see what's available and create leverage.
3-4 Months Before
Secure a competitive rate with 120-day hold while keeping options open.
1-2 Months Before
Complete paperwork and finalize your decision with plenty of time.
How We Get You a Better Rate
From analyzing your renewal offer to securing a better deal, we handle everything.
Review Your Offer
Send us your renewal letter. We'll analyze if it's competitive or leaving money on the table.
Shop the Market
We compare rates from 50+ lenders to find better options and create negotiation leverage.
Negotiate or Switch
Either negotiate a better rate with your current lender or switch to a new one penalty-free.
Seamless Renewal
We handle all paperwork and coordination. Your new term starts without stress.
What to Look for at Renewal
While rate is important, it's not the only factor in a good mortgage. At renewal, consider these features:
Prepayment Privileges: Can you make lump-sum payments or increase monthly payments without penalty? More generous options save significant interest if you plan to pay down faster.
Portability: If you might move during your term, a portable mortgage lets you transfer your rate and terms to a new property without penalties.
Penalty Structure: How are prepayment penalties calculated? Some lenders use fairer methods while others use aggressive calculations that can cost tens of thousands to break.
Mortgage Renewals Across the GTA
Mortgage Renewal Questions
Everything you need to know about renewing your mortgage in Ontario.
Mortgage Renewal Coming Up?
Get a better rate. Free comparison of your options across 50+ lenders. Don't leave money on the table—let's find your best deal.