Mortgage Renewal

Don’t sign your renewal blind — explore your options first.

Step one

We look at your rate, term, remaining balance, and lender’s offer.

Step two

I compare bank, credit union, and alternative options to find something stronger.

Step three

We choose a term and structure that supports your long-term goals.

Step four

I handle the switch, ensuring a smooth transition with no surprises.

A chance to improve your mortgage

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Your renewal is one of the best opportunities to reset your mortgage in your favour — but many people accept the first offer without exploring their choices. I’ll help you see if a different lender, term, or strategy could save you money or offer more flexibility.

You’ll get clear comparisons so you can make an informed decision that supports where you’re headed, not just where you’ve been. And I’ll guide you toward the option that gives you the most confidence, stability, and long-term value.

No pressure, just clarity

You don’t owe loyalty to your bank. Your only job is to choose what’s best for you, and my role is to make that choice simple. I’ll break down your options, explain everything in plain language, and guide you through the process so you can renew with confidence and peace of mind.

Whether you’re looking for stability, lower payments, or a fresh approach, I’ll make sure you’re choosing from the strongest options available, tailored to your unique situation and long-term goals.

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Frequently asked questions

  • Ideally 4–6 months before your term ends so we can secure better options.

  • Not at all. Switching lenders is common and often beneficial.

  • Yes — it’s the perfect time to adjust terms, rates, or structure.