Our Program
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A mortgage renewal happens at the end of your mortgage term
— typically every 1 to 5 years — when you renegotiate your
rate and terms for the next period. It’s a critical financial
moment that most Canadians handle incorrectly.
Most lenders send a renewal letter with a rate that's higher than what they'd offer a new customer. We make sure you never pay more than you have to.
Unlike mid-term refinancing, switching lenders at renewal costs nothing. It's the perfect time to shop freely without any prepayment penalty.
Even a 0.25% rate difference on a $500,000 mortgage saves you over $6,000 across a 5-year term. Our clients save an average of $8,400 at renewal.
Renewal is also the time to change your amortization, increase prepayment privileges, or switch from fixed to variable — or vice versa — based on where you are today.
Renewing your mortgage is the single best opportunity to
save thousands — if you do it right. Here’s how we make
sure you do.
The earlier you start, the more options you have. We begin shopping your renewal up to 4 months before your term expires — giving you maximum negotiating power.
We compare renewal offers from your existing lender against the full market — banks, credit unions, and monolines — to find you the lowest rate available for your profile.
We present your top options in a simple comparison. You choose the rate, term, and payment frequency that best fits your current financial goals.
Switching lenders at renewal is easier than most people think. We manage all the paperwork, communication, and timing so the process is completely effortless for you.
Canada’s Fastest Path to Your Best Rate
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