Mortgage renewal is just as crucial as when you first bought your home. If you’re not careful at renewal, any savings you achieved initially could be wiped out. It’s easy to feel disenchanted with the renewal process, but that’s not in your best interests financially.

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Let’s face it, your last mortgage term likely cost you thousands in interest. That’s the reality when we’re talking about home loans. But the goal isn’t to keep paying interest indefinitely – it’s to get to free and clear homeownership.

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So, what do you do?

You need a mortgage broker who can consistently offer competitive rates at every renewal – without the hassle. There are certain lenders (who shall remain nameless) that never offer their best rates at renewal. If you find a better deal elsewhere, they’ll often say, “Oh, we’ll match it.” But why settle for a lender who didn’t offer you the best rate in the first place? Do you want that kind of lender handling your largest asset and debt? ​​

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What if I am just looking for rates?

If you're only after general rates for comparison, I might not be the broker for you. However, lots of rates are posted online if you are just looking for a general idea. The terms behind those rates are often unknown, but will provide you with a general indication.

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Looking for Specific Rates That Apply to You?

No problem! Please complete an application (you’ll find the link at the top). The days of one-size-fits-all rates are long gone. With the introduction of the stress test, lenders now break down rates based on many factors: program, down payment, credit score, whether you have a standard or collateral charge on your title, and even how long you need the term.

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This is why an application is needed – it helps us determine your exact eligibility and provides rate options tailored to you up front.

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The Right Broker for Your Needs

The lenders I work with, my fast service, and my experience are all designed for clients who are looking for ongoing guidance. 

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Click below to start your application and let's make your renewal and future renewals get you to free and clear home ownership.