Mortgage Renewal
Your renewal is a strategic opportunity, not just paperwork. We compare the market to reduce your payments, shorten amortization, or restructure — always aligned with your goals.
Prefer to call? (514) 895-4228
Who This Is For
Approaching Renewal
Your current term is ending in the next 4-6 months
Rate Watchers
You want to ensure you're getting the best possible rate
Goal Changers
Your financial situation or goals have shifted since your last term
How It Works
Market Analysis
We compare current rates across 20+ lenders, including your existing one. You see exactly what's available on the market today.
Option Presentation
You receive a clear comparison: stay with your lender, switch to a new one, or restructure terms — each with full cost breakdown.
Rate Lock
Once you choose, we secure your rate with a hold period so you're protected even if rates rise before closing.
Seamless Switch
If switching lenders, we handle the transfer of funds, discharge, and new registration. The process is invisible to your daily life.
What You Get
Rate Comparison
See your lender's offer vs. the market in one view
Cost Offset Solutions
We help identify lender incentives that offset appraisal and closing costs on switches
Term Optimization
Match your term length to your rate outlook and plans
Payment Restructure
Adjust amortization to raise, lower, or keep payments
Common Questions
Ideally 4-6 months before your maturity date. Lenders typically send renewal offers 3-4 months out, but starting earlier gives us time to shop the full market, negotiate, and secure rate holds before you're under pressure.
Yes. Renewal is the perfect time to reassess your amortization. Shortening it reduces total interest paid. Extending it lowers monthly payments. We model both scenarios against your goals.
Often, yes. Your current lender's offer may not be competitive. Switching can mean better rates, more prepayment flexibility, or improved terms. We weigh the savings against any transfer costs and present the net benefit clearly.
Your lender will auto-renew you into a new term, typically at their posted rate — which is almost never the best available rate. This is the most expensive mistake homeowners make. We make sure that never happens to you.
“I had a renewal coming up with very little time to shop around. Gabriel quickly compared several lenders and presented the numbers transparently. I was able to make an informed decision without stress.”
Alexandre
Owner in Brossard
Ready to Get Started?
Book a free 20-minute consultation. We'll review your situation and outline the best path forward — no obligation, no pressure.
Prefer to call? (514) 895-4228