01
Income and budget
Thank you, we received your request. A broker on the team will get back to you shortly.
Renewal
Is your mortgage coming up for renewal?
As your term nears its end, your current lender will usually send you a renewal offer. It's also a good moment to revisit your needs and compare the options available before you sign.
Compare my renewal options
Or speak with a broker
(514) 317-2800
A renewal, step by step
In progress- Renewal offer received
- Options compared with you
- A clear decision
Taking stock
Before you renew, take a look at where you stand
A mortgage term runs for years. Between signing and renewal, budgets move, plans change, and so does the house. The mortgage that fit back then deserves a second look.
Six questions worth asking before you sign anything.
02
Life plans
Is a big change coming in the next few years?
03
The property
Do you plan to keep this home for a while?
Renewal check-up
We go through each of these questions with you, in a single meeting, before the renewal date decides for you.
04
Rate movement
Would a payment that moves make you uncomfortable?
05
Payment structure
Biweekly or monthly: which rhythm works for you?
06
Room to move
Selling, renovating, refinancing: do you need flexibility?
The process
Three steps, one single meeting
We look at your renewal offer, we compare, and you leave with a clear answer. No jargon, no pressure.
We take stock
Where you stand today, what you want for the next few years, the date your term ends. A conversation, nothing more.
We shop the market for you
With your renewal offer in hand, we compare it against the terms available through our network of more than 30 lenders.
You decide
We walk you through each scenario in plain language. Staying with your current lender remains a perfectly valid option.
Our services are free* — residential mortgages
Timing
Starting early changes the conversation
The more time you give yourself, the more room you have to move: time to gather your documents, compare scenarios and discuss terms without last-minute pressure.
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01
A few months before maturity
We review your goals and the documents worth preparing. Nothing is rushed — everything can be laid out calmly.
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02
When the offer arrives
Your lender sends its renewal terms. We read them together, then compare them with what other lenders are offering.
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03
Before you sign
You decide with the full picture: stay with your current lender or move elsewhere, whichever fits your plans.
Sign the offer you were sent without comparing it, and you'll never know what the market was offering that day.
Payment calculator
Tools
Put numbers on your next term
Try a payment, an amortization period or a payment frequency. You show up to the meeting with numbers to discuss, not just questions.
Results are an estimate. Your actual terms depend on the lender, your file and current conditions.
Simulation
Change the fields and the result updates.
On video
Your questions, answered by our brokers
Our team includes more than 20 mortgage brokers. On camera, they tackle the questions we hear every week on the phone: renewal offers, fixed or variable rates, amortization, paperwork to gather. Short answers, no jargon.
All the video clipsNew clips are in the works
Our brokers are recording new renewal answers. In the meantime, send us your question — you'll speak with a person, not a bot.
Go to the Videos pageReal brokers, not a call centre
The team
Francesca Pellicano
Manager - Mortgage Broker
Sophie Ferrando
Manager - Mortgage Broker
Élise Cuccioletta
Mortgage Broker
Natalia Arman
Mortgage Broker
El Mehdi Jader
Mortgage Broker
Diana Lai
Mortgage Broker
Melkior Clergé
Mortgage Broker
Christian Thibault
Mortgage Broker
Sogand Alijani
Mortgage Broker
Wael Oueslati
Mortgage Broker
Lyne Gauthier
Mortgage Broker
Ganz Garcia-Makosso
Mortgage Broker
You're matched with one broker from the team, from the first call to the signing at the notary.
Meet the specialists
Frequently asked
What homeowners ask us before renewing
Don't see your question? A broker on the team will answer it in a few minutes, with no commitment.
See every question
Talk to a broker
(514) 317-2800
What's inside a renewal offer?
Your lender usually sends a notice listing one or more proposed terms, the rate tied to each one and the payment that follows. We read it with you, line by line, to separate what's open to discussion from what isn't.
Can I switch lenders at renewal?
It's possible — and so is staying exactly where you are. A transfer means a new application and conditions to meet. We compare both scenarios, upsides and constraints, then you decide.
Can the amortization or payment frequency be changed?
Often, yes. Renewal is the moment to revisit the structure: payment frequency, remaining amortization, prepayment privileges. The options differ from one lender to the next, so we confirm before putting a scenario in front of you.
What is a mortgage pre-approval?
A pre-approval is a preliminary assessment of your borrowing capacity. It gives you a maximum amount you can borrow and a rate held for a set period, usually 90 to 120 days.
What's the difference between a fixed and a variable rate?
A fixed rate stays the same for the whole term, which keeps payments stable. A variable rate moves with the Bank of Canada's policy rate, which can work in your favour but carries more risk.
How much of a down payment do I need?
In Canada, the minimum down payment is 5% for properties under $500,000, 10% on the portion between $500,000 and $1M, and 20% for properties over $1M. We can help you look at your options.
Tell us about your current mortgage
A few details are enough to start the analysis. A broker from the team calls you back to confirm the rest.
Free services* — *residential mortgages. You stay free to renew with your current lender.