Mortgage renewals

Hold rates early, compare options, and avoid auto-renew surprises.

Renewal planning starts early

We begin 4 to 6 months before maturity, so you can compare rates and terms with no rush.

Your dashboard tracks key dates and allows your broker team to share renewal options.

We compare renewal offers against current market rates and review contract features such as prepayment and portability.

Use the renewal comparison and penalty estimator before signing.

When should I start?

Ideally 4 to 6 months before maturity so you can compare options.

Can I switch lenders at renewal?

Yes, and we manage the switch process to avoid gaps.

Do I need to re-qualify?

Only if you change lenders or increase the mortgage amount.

We will email you 6, 4, 3, and 1 months before maturity so you can compare rates early.