Your renewal letter is a starting point, not the best offer
When your term ends, your lender mails a renewal offer, and they're counting on you to sign it without shopping around. The rate they lead with is rarely the sharpest one available. A few minutes of comparison can mean thousands of dollars over your next term.
We review your renewal against 50+ lenders. If your current lender is competitive, great. We'll help you renew with confidence. If a switch saves you money, we handle the move, often at little or no cost to you.
Renew or switch? We'll tell you which
Renewing with your current lender
Sometimes staying put, on better terms we negotiate, is the right call. We make sure the offer on the table is genuinely competitive before you sign anything.
Switching to a new lender
At the end of your term you can usually move your mortgage to a different lender without a penalty. Many lenders even cover the switch costs to earn your business. We compare the all-in numbers (rate, fees, and features) so the switch is a clear win, not just a lower headline rate.
Timing it right
The sweet spot to start is about four to six months before your renewal date. That gives us time to shop, secure a rate hold, and complete a switch smoothly before your current term expires.
Who this is for
- Your renewal date is within the next six months
- You've been auto-renewing and suspect you could do better
- You want someone to compare the market for you, not just take the bank's offer
- Your situation has changed and you want to review your options