Most people just sign it. Compare 30+ lenders first — switching at renewal is easier and cheaper than you think.
Lenders send a renewal letter hoping you’ll sign without shopping — and that posted offer is rarely the sharpest rate available. Starting roughly four months out gives us time to compare 30+ lenders and, if it makes sense, switch. Switching at renewal is also easier than it used to be: recent rules let many borrowers move lenders at renewal without re-passing the stress test, as long as the amount and amortization don’t increase. I’ll show you the real cost of staying versus switching.
I review your renewal offer against the whole market so you only sign the best one.
Recent rules let many borrowers switch lenders at renewal without re-passing the stress test.
Hold a competitive rate ahead of your date, protected if rates rise.
If it fits, combine your renewal with debt consolidation or equity access.
A no-pressure 15 minutes. I learn your goals, timeline, and numbers.
One application, the whole market — banks, monolines, and B lenders.
I present the best options and manage the paperwork to close.
“Isha is very hard working for her clients. And for us, she done phenomenal job for our 4 mortgage and Refinancing.”
“I have dealt with many brokers before and I confirm Isha is the best and most organized and trustworthy one”
“The most professional mortgage broker in Canada, exceptional skills with great attention to detail. 100% recommended.”
About 120 days before your renewal date. That window lets us compare lenders, hold a rate, and switch smoothly if a better deal exists.
At your maturity date there’s typically no prepayment penalty to switch — that’s exactly why renewal is the best time to shop the whole market.
Recent changes let many borrowers switch at renewal without re-passing the stress test, provided the loan amount and amortization aren’t increasing. I’ll confirm whether you qualify.
Maybe — but ‘special’ is relative. I’ll benchmark it against 30+ lenders so you know for certain instead of hoping.
One conversation with the whole market. Free, no obligation, no impact on your credit.
Book a free 15-min call