Don't just sign your renewal documents from your lender, let's look at all your options together. I'll handle the negotiations on your behalf!

While most Canadians spend a lot of time and effort shopping for an initial mortgage, the same is generally not the case when looking at mortgage term renewals.

In fact, it's estimated that nearly half of borrowers simply sign and send back the initial renewal letter offered by their lender without looking around at other mortgage options. This is costing Canadians thousands of extra dollars every year. Don't ever accept the first offer from your existing lender. Without any negotiation, simply signing up for the market rate on a renewal will cost you a lot of money.

Generally, it's a good idea to start shopping for a new term between four and six months before your current mortgage term expires. Many lenders send out your renewal letter very close to the time your term expires, and this does not give you ample time to arrange for a mortgage term through a different lender.

Your mortgage is one of your biggest expenses. For this reason, it's imperative to find the best mortgage terms to lower your overall cost of borrowing. By shopping around when your mortgage is up for renewal, you can save substantial amounts of money over the life of your mortgage. Don’t be fooled into simply signing your renewal letter and accepting lousy mortgage terms. Let me handle the negotiations for you. 

Connect with me

The best place to start is to connect with me directly. Just because the lender you're with now was the best choice when you got your last mortgage, doesn't mean they are the best choice for your next mortgage.

Consider your options

Sorting through all the different mortgage lenders, rates, terms, and features can be overwhelming, especially upon renewal.  I'll outline the best mortgage products on the market, and review them with you.

I'll handle the details

When it comes time to arranging your renewal, I'll handle the negotiations with the lender for you. This ensures you get the best mortgage product that lowers your overall cost of borrowing. 

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