Mortgage services
Renewal and switching
Do not renew on autopilot. Review your options and keep your mortgage working for you.
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.
What you will learn
- What lenders offer at renewal and why it varies
- When switching makes sense
- How to align your mortgage with your current goals
How it works
A clear plan from first call to closing
01.
We review your current mortgage terms and renewal offer
02.
We compare options across lenders
03.
We confirm the best term and features for your goals
04.
If switching, we handle the transfer process and timing
05.
We help you finalize and feel confident before the term ends
Documents you may need
Get organized early
We will confirm the exact list based on your situation.
- Current renewal offer
- Current mortgage statement
- Income documents if required by the new lender
- Property details if requested
Related services
Explore other mortgage options
Refinance
Use home equity to simplify debt, fund plans, or improve monthly cash flow.
Purchase
A clear mortgage plan makes buying feel calmer, easier, and more confident.
Investment Properties
Buy with confidence by understanding the numbers, the rules, and the strategy.
Reverse Mortgage
Access home equity with no monthly mortgage payments, while staying in your home.
Frequently asked questions
Answers to common questions
Is it worth shopping at renewal
Yes. Lenders often save their best offers for new business. Comparing options can improve your rate or terms.
Does switching cost money
There can be legal and discharge fees, though some lenders cover them. We compare the full cost before you decide.
Can I renegotiate with my current lender
Often yes. We can use market comparisons to strengthen your position before you sign.
What if I plan to move soon
We can choose a shorter term or a product with flexible options. Timing matters and we will plan for it.
When should I start the renewal review
Ideally four to six months before your term ends so we have time to compare and negotiate.
Ready when you are
Let's build a mortgage plan that fits you
Tell us what you are working toward and we will map out the next best step with clear numbers and a simple plan.