Your renewal letter is a starting offer.
Lenders count on renewals being signed unread. We shop your mortgage 120 days before maturity and negotiate — clients typically save thousands over the term.
Renewal service
Negotiated, not auto-signed
Four months before your term ends, we pull your file, re-qualify your goals and take your mortgage to market — including back to your current lender for a retention offer worth comparing.
Switching lenders at renewal is usually free of penalties, and we handle the transfer paperwork end to end.
- 120-day early review with rate monitoring
- Retention negotiation with your current lender
- Free lender switches handled start to finish
What's included
Renewal, done properly
Early reminder
We flag your maturity 120 days out — never a last-week scramble.
Market sweep
Your profile compared across lenders for rate, term and features.
Term strategy
Short, long or variable? Matched to your plans, not the posted rate.
Seamless switch
New lender paperwork, discharge and funding coordinated for you.
Process
120 days to a better renewal
Day 120: review
Goals, balance and penalty position reassessed.
Day 90: shop
Lenders bid; your current lender is asked to compete.
Day 45: decide
Best offer selected and locked with room to spare.
Day 0: fund
Transfer completes on maturity — no gap, no stress.
Questions
Renewal FAQs
Almost never without comparing first. Renewal offers are typically posted rates with room to move — a 0.3% improvement on an average balance saves thousands over five years.
At maturity there is no penalty, and many lenders cover transfer and appraisal fees to win your business. We'll confirm every dollar before you switch.
No. Even with weeks to go we can usually secure competing offers. Send your renewal letter today and we'll move fast.
Maturity coming up? Let's beat the letter.
Send a photo of your renewal offer — we'll tell you within one business day whether we can beat it.
Start Your Renewal Review