Mortgage Renewal
Your bank sent
you a letter.
Don't just sign it.
Your renewal is one of the most important financial moments you will have. Most clients sign what arrives in the mail without question. That decision can cost thousands. We make sure you never leave money on the table.
See my renewal optionsWhat your bank doesn't tell you at renewal time.
Your bank is counting on your loyalty
The renewal offer your bank sends is rarely their best rate. It is the rate they hope you will accept without asking questions. Most clients do exactly that.
The difference between lenders is real money
Even a small rate difference compounds significantly over a 5-year term. Shopping your renewal across lenders is one of the highest-value financial moves you can make.
Timing is everything at renewal
Starting the process 120 days out gives you maximum flexibility, access to more lenders, and time to make the right decision without pressure. After that window the options narrow.
It costs nothing to find out what you could save
We review your situation, compare your renewal offer against the current market, and show you exactly what better options look like. No obligation, no credit check to get started.
We work for you. Not the lender.
Your bank's renewal officer has one job retain your business at the highest rate you will accept. We have a different job. We find the best deal available to you across our full lender network and put it in front of you so you can make an informed decision.
We compare across dozens of lenders
Your bank can only offer their own products. We access a broad network of lenders competing for your business, which means you see the real market rate.
We explain everything in plain language
Variable vs fixed. Open vs closed. Break penalties. Portability. We walk you through every factor so the decision you make is actually yours.
We handle the switch if you want to move
If a better lender makes sense, we manage the entire process. No paperwork headaches, no gaps in coverage, no surprises at closing.
We are available when you need us
Renewal questions rarely arrive at convenient times. We pick up the phone, respond to messages, and stay with you through the entire process.
Find out if your renewal offer is actually competitive.
Tell us where you are in your renewal window. We will review your situation and show you what the market looks like right now compared to what your bank is offering.
Review my renewal options
Free. No credit check. No obligation.
What clients say about working with Tim.
Your renewal letter is not your only option.
One free conversation is all it takes to know if you are getting a fair deal. No pressure. No commitment. Just honest answers.
Review my renewal options Free. No credit check. Licensed in AB, BC, and ON.