Renewals & Refinancing
Don't auto-renew. Re-shop
and save.
70% of Canadians sign their renewal letter without negotiating. The average cost? $4,200+ over the next term. We re-shop every renewal across 50+ lenders.
Why this matters
Your renewal letter isn't an offer it's a starting point. We compare your current lender's rate against 50+ banks, credit unions, and monoline lenders, and refinance whenever it makes math sense to lower payments, consolidate debt, or unlock equity.
Free 15-minute strategy call
No credit pull. No pressure. Just a clear answer to "what's actually possible for me?"
- What you get
Built around your numbers.
Free renewal audit
We benchmark your renewal letter against the entire market and tell you exactly what's leaving money on the table.
Debt consolidation
Roll high-interest credit card and loan balances into your mortgage often saving $500–$2,000 per month.
Equity takeout
Access up to 80% of your home's value for renovations, investments, or college tuition.
Penalty offset analysis
When breaking early makes sense, we prove it in writing.
- How it works
A calm, four-step path forward.
01
Send us your renewal letter
Forward it to us we’ll respond within 24 hours with a market comparison.
02
Strategy session
Refinance now, wait for renewal, or restructure entirely we recommend based on your goals.
03
Rate hold
04
Funding
- Renewals & Refinancing
Free renewal & refinance audit
- Common questions
Real answers,
no fine print.
Don’t see your question?
- Ask us directly.
120 days before maturity. Earlier than that, lenders won't hold rates. Later than that, you've lost negotiating leverage.
Almost always. Banks profit on customer inertia. Brokers profit on competition we have access to lenders banks don't.
A single hard inquiry, recovered within 60 days. The savings dwarf the temporary score dip.
Ready to know your true number?
Fast. Free. No credit pull required.