Make renewal work better

Revisit. Reassess. Renew Right.

Renewal is your chance to take full control

Your mortgage renewal isn’t just a deadline—it’s an opportunity to reassess what’s working and what could be better.

Whether your life has changed or your goals have shifted, I’ll help you explore options beyond simply signing what’s offered. Together, we’ll use this moment to make your next mortgage term work harder for you.

Your opportunity

Let’s review your mortgage options before signing with your current lender

Most lenders send a renewal offer expecting you to accept it without question. But you may qualify for a better rate, a more flexible term, or a product that better suits your life today.

I’ll help you explore the full picture and show you what’s available across multiple lenders. You’ve got options—and I’m here to help you understand and choose the right one.

What renewal can help you reassess

What shifts

Lower your interest rate.

Switch to a new lender.

Re-align with current goals.

Change your term or structure.

Your renewal questions, answered with insight

Renewal clarity

  • Not necessarily. While it may seem convenient, lenders rarely offer their best rate upfront. I can compare offers from other lenders and help you see what else is out there. There could be better options with more flexibility or lower costs. It’s worth exploring before you commit.

  • Yes—you’re free to switch lenders when your mortgage comes up for renewal. This is often the best time to shop around, since you're not breaking a term and won’t face penalties. I’ll help you evaluate your current offer and compare it to others on the market. Switching can lead to better rates, terms, or features. You’re not locked in unless you choose to be.

  • If things have changed—whether income, goals, or family life—your mortgage should reflect that. Renewal time is the perfect opportunity to adjust your strategy. I’ll guide you through how to structure your new term to match your current needs. Even if your credit or income has shifted, we can still explore your options. You don’t have to navigate those changes alone.

  • Most lenders allow you to begin reviewing your renewal 120 days (about four months) before your term ends. Starting early gives you time to compare, negotiate, and avoid last-minute stress. I recommend beginning the conversation as soon as your window opens. That way, we can secure a competitive rate and make sure the timing works for you. Being proactive here often leads to better results.