Mortgage Renewal Coming Up? Don't Sign Your Bank's Offer Yet.
Renewal is the single biggest opportunity in the life of your mortgage to save money — and it's the moment most Canadians give up by simply signing whatever their bank mails them.
Rates change daily — don't miss today's best options
- Compare 50+ lenders instantly
- Rates that often beat bank posted rates
- Same-day pre-approvals
- 100% free service
Get Your Renewal Quote
Takes less than 60 seconds. We never share your information.
- No impact on your credit score
- No obligation to proceed
- We never share your information
Why This Form Is Different
Why Most Canadians Overpay at Renewal
Banks know that the majority of clients won't shop their renewal — so the rate on your renewal letter is rarely the best rate that bank can offer, and it's almost never competitive against the broader market.
A mortgage broker compares 50+ lenders for your renewal at no cost to you. Even if your existing bank ends up being the right answer, knowing the market gives you the leverage to negotiate. More often, switching lenders unlocks rates that often beat bank posted rates.
Switching at renewal is straightforward and usually free — the new lender typically covers transfer costs. We handle the paperwork end-to-end so the only thing you do differently is enjoy a lower payment.
Start the renewal conversation 4–6 months before your maturity date. That gives us time to compare options, lock in a rate hold to protect you from increases, and switch lenders if it makes sense.
How It Works
- 1
Fill Out Form
Takes 60 seconds — no documents needed yet.
- 2
We Compare Lenders
We shop 50+ lenders to find your best fit.
- 3
Get Your Best Option
Receive your options within one business day.
Common Questions
Can I switch lenders at renewal without penalty?+
Yes. At the end of your term, your mortgage matures and you can switch lenders penalty-free. The new lender typically covers most or all transfer costs (legal, appraisal). We handle the paperwork — you just sign at the end.
When should I start the renewal process?+
Ideally 4–6 months before your maturity date. This gives us time to lock in a rate hold (protecting you if rates go up), compare your bank's renewal offer against 50+ lenders, and complete a switch if it makes sense.
Start Your Mortgage Application Today
Free pre-approval. Competitive rates. Friendly Canadian mortgage expert ready to help.