Mortgage Renewal
Do not just sign the renewal slip. Let me shop the market to ensure you get the best rate and terms at renewal time.
When your mortgage term ends, your lender will send a renewal offer. Many homeowners simply sign and return it without considering their options. But renewal time is one of the best opportunities to save money on your mortgage. I shop your renewal across multiple lenders to ensure you are getting the most competitive rate and terms available, potentially saving you thousands over the next term.
Who Is This For?
- Homeowners with a mortgage renewal coming up within the next 120 days
- Those who received a renewal offer from their current lender
- Homeowners who want to explore switching lenders at renewal
- Borrowers looking to change their mortgage type (fixed vs. variable) at renewal
Common Goals
- Secure the lowest possible renewal rate
- Compare your lender's offer against the broader market
- Switch lenders without penalty at renewal time
- Change mortgage terms, amortization, or payment frequency
- Access equity or restructure finances at renewal
How It Works
Share your current mortgage details and the renewal offer you received from your lender.
I compare your lender's offer against rates from our network of 50+ lenders.
I present your best options, showing potential savings over the term.
If switching lenders makes sense, I handle the entire transfer process at no cost to you.
Important Considerations
- *Start reviewing options 120 days before your renewal date for the best selection.
- *Switching lenders at renewal is typically free (no prepayment penalty).
- *Some lenders offer rate-hold guarantees up to 120 days before maturity.
Renewal rates and terms are subject to lender approval. O.A.C. Switching lenders may require re-qualification. Rates subject to change.
Ready to Get Started?
Free consultation, no credit check. I search 65+ lenders and 7,000+ solutions to find your best fit.
Subject to lender approval. O.A.C.
Typical Documents Needed
- Current mortgage statement
- Renewal offer from your lender
- Property tax bill
- Proof of income (if switching lenders)
- Government-issued photo ID
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Advertising Disclosure: Michael Noble Green, Mortgage Agent Level 1 (Licence #M21002443) at 8Twelve Mortgage Corp. (Brokerage Licence #13390). All mortgage products and services are subject to lender approval. O.A.C. Rates and terms are subject to change without notice. This page is for informational purposes and does not constitute a commitment to lend.