Services
Mortgage Renewals
Review your renewal options well before your maturity date — not on the last day.
Why review early
Most lenders send a renewal slip 21 days before your maturity date and hope you will sign it without shopping around. Starting the review 120 days early gives you time to compare rates, negotiate terms, and potentially switch to a better option — with no penalty.
We help Barrie and Simcoe County homeowners evaluate their renewal offers against the broader market so they can renew with confidence — or switch lenders if it makes sense.
- ✓Review your lender’s renewal offer against current market rates
- ✓Compare term lengths, fixed vs. variable, and payment frequency options
- ✓Understand the process for switching lenders at renewal (often free)
- ✓Factor in any changes to your income, goals, or property value
- ✓Plan your next term with a clear view of costs and flexibility
What to prepare
If you have your renewal letter or annual mortgage statement, bring that along. We can work with estimates if you do not have exact numbers yet.
- •Current lender name and renewal/maturity date
- •Mortgage balance estimate
- •Current interest rate and term
- •Any changes to income, employment, or goals since last renewal
Tip: Start the conversation at least 120 days before your maturity date for the most options.
How the process works
Review
We pull together your current mortgage details and any renewal offer you received.
Compare
We model renewal options side by side — same lender, new lender, different term — so you see the full picture.
Decide
You choose the option that fits. If switching, we handle the transfer paperwork so you do not miss your maturity date.
Renewal coming up?
Get ahead of it. Share your details and we will review your options.