Renewing your term
Mortgage Renewals
Don't just sign the renewal letter. Compare it.
The renewal letter your bank mails you is rarely their best offer — it is the offer they hope you will sign without shopping. Roughly a signature stands between you and a rate that could be materially lower. Before you accept, let me put your renewal in front of 90+ lenders.
Renewal is your leverage moment
At renewal you can switch lenders with little or no penalty, which means real negotiating power. I compare your current lender's offer against the wider market and show you the difference in monthly payment and total interest over the term — side by side, in plain numbers.
Re-evaluate the whole mortgage
Renewal is also the ideal time to revisit your amortization, switch between fixed and variable, add prepayment flexibility, or consolidate higher-interest debt into your mortgage. We reset the strategy to match where your life is now, not where it was five years ago.
Start early
Reach out four to six months before your maturity date. That gives us time to secure a rate hold and move your mortgage cleanly if a better option exists, with zero pressure and no gap in coverage.
Let's build your mortgage strategy.
One conversation. 90+ lenders. Zero obligation. Book a call or start your application whenever you're ready.