Mortgage Renewals

Don’t Just Sign the Paper, Secure a Better Deal

When Should You Start Thinking About Renewal?

Start the process 4–6 months before your term ends.
That gives us time to:

1. Review your current mortgage and future goals.

2. Compare rates across multiple lenders.

3. Lock in a rate early — sometimes before the market shifts.

Even if your lender has sent you an offer, it’s worth reviewing it together. You might be surprised how much you can save with a quick comparison.

How I Can Help

As your mortgage partner:

1. Review your renewal options with full transparency.

2. Compare multiple lenders to find the best rate

3. Handle the switch if your switch between lenders

You don’t have to just sign and accept it.

Your renewal is a perfect time to shop around, compare offers, and negotiate a better rate or terms that match your current goals.

What is a Mortgage Renewal?

When your mortgage term ends (usually after 1–5 years), you’ll need to renew your mortgage for another term. Most lenders send out a renewal notice with a new rate — but here’s the thing: