Renew smarter,
live freer.

120 days before your mortgage is set to renew you can start the process. We will send you a renewal reminder 150 days before your renewal date, so you're well prepared. It’s not hard to switch lenders, and while we can make it even easier, time crunches are never fun. With more time, we can shop around, negotiate, and secure a mortgage matched perfectly to you.

Switching lenders is a straightforward and simple process when you have an experienced broker to lead the way. We can help you attain a better mortgage at renewal time. We start by getting to know you and your plans for the future. This allows us to narrow down the search for a mortgage that's right for you. Once we find a product you like, we will gather your documentation and a current assessment of your property value to submit your application. Before you know it, you’ll have a new mortgage that saves you money with terms that give you room to grow.

We know it’s no fun sitting on extra cash when you want to pay down your mortgage. Renewal time is a great chance to prepay as much as you like, without the usual fees. During your term, prepayments are limited, and exceeding them can trigger penalties, which is why we always tell our clients: terms matter just as much as rates!

Need some extra cash or hoping to avoid fees? Renewal is also the perfect time to refinance, giving you flexibility and options to restructure your mortgage in a way that helps you reach your goals. We’ll make sure you understand all the terms and possibilities so your mortgage works for your life, not just your rate.

Watch the fine print, terms matter!
Mortgage terms can make or break your future plans, so it’s worth paying attention. Are there restrictions, unusual penalties, cash-back clauses, clawbacks, prepayment limits, or rules around blending or porting? All those little details can have a big impact down the road. As your broker, it’s our job to make sure you fully understand what you’re committing to, so your renewal is smooth and hassle-free.

Fixed or variable: what’s right for you?
Variable rates are usually lower than fixed in normal markets, and they’re cheaper to break if your plans change. Fixed rates, on the other hand, give you peace of mind with predictable monthly payments. The right choice depends on your goals, borrowing profile, and what’s happening in the economy. Give us a call, and we’ll help you figure out the mortgage product that’s the best fit for your life.