Mortgage services
Mortgage renewal and switch
Do not renew on autopilot. Compare renewal options first.
When your term is ending, your lender will usually send a renewal offer. It may be easy to sign and return it, but it is worth reviewing the details. Rates and options change, and your needs often change too. We help you compare the renewal offer to the current market and decide whether renewing, switching, or transferring is the best move.
Use the calculator for a quick starting point, then let me confirm the best strategy and exact numbers for your purchase, renewal, or refinance.
Compare scenarios with the mortgage calculatorYou will get a quick range on your own, and then we will validate the right rate, term, and structure together.
Service snapshot
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Steps
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Documents
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FAQs
We confirm timelines, documents, and exact numbers after a quick review.
What you will learn
Confidence starts with clarity
We break down the options, trade-offs, and numbers so you can make the right move without guessing.
What lenders offer at renewal
When switching makes sense
How to align your mortgage with your current goals
How it works
A clear plan from first call to closing
We keep the process organized and transparent at every step, so you always know what happens next.
Review your current mortgage terms and renewal offer
Clarify goals, timing, and budget.
Compare options across lenders
Gather details that shape the plan.
Confirm the best term and features for your goals
Compare structures, rates, and lenders.
If switching, we handle the transfer process and timing
Submit the application with clean documentation.
Help you finalize and feel confident before the term ends
Clear conditions and confirm the approval.
Swipe to view the full workflow.
Documents you may need
Get organized early
We confirm the exact list based on your situation.
Secure collection
We guide you on what to send and why it matters, so nothing is missing or unclear.
Request a free consultation- If switching lenders: ID verification
- Proof of income (employment letter/pay stubs, T4/NOA as needed)
- Current mortgage statement or renewal letter from your current lender
- Property tax bill or statement
- Proof of property insurance
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Renewal, Switch, Transfer questions, answered
When should I start the renewal review
Ideally four to six months before your term ends so you have time to compare options.
Full answer
Starting early gives us time to review your renewal offer, compare the market, and negotiate without any last minute pressure.
Is it worth shopping at renewal
Yes. Competing offers often improve your rate or terms.
Full answer
Lenders often save their best offers for new business. Comparing options can improve your rate, features, or flexibility at renewal.
Does switching cost money
There can be legal and discharge fees, though some lenders cover them.
Full answer
We compare all costs and incentives so you see the net savings before deciding to switch. This keeps the decision clear and practical.
Can I renegotiate with my current lender
Often yes. Market comparisons can strengthen your position before you sign.
Full answer
We can use current rates and lender offers to negotiate better terms or features with your existing lender before you commit to a renewal.
What if I plan to move soon
We can choose a shorter term or a product with flexible options.
Full answer
Portability, penalties, and term length matter if you plan to move. We plan around your timeline so you stay flexible.
Ready when you are
Let's build a mortgage plan that fits you
Use the calculator for a quick starting point, then let me confirm the best strategy and exact numbers for your purchase, renewal, or refinance.
Compare scenarios with the mortgage calculator