Start 90–120 days early
Create time to compare, hold an option, gather documents, and avoid a rushed maturity decision.
FREE MORTGAGE CHECKUP
Before you sign, give your renewal offer some competition.
Enter the offer you received and a rate you want to compare. You will see the payment difference immediately—without sharing personal documents.
✓ Private planning estimate✓ Updates as you type✓ Ontario-focused
BEYOND THE CALCULATOR
A renewal decision is bigger than one rate.
The calculator starts the conversation. A proper review also checks whether the mortgage still fits your plans for moving, investing, consolidating debt, or paying the balance down faster.
Compare the full cost
Payment matters, but so do prepayment privileges, portability, fees, and the cost of breaking the term.
Build for the next move
Choose a structure that supports what may change during the coming term—not only what works today.
WATCH BEFORE YOU SIGN
Before you accept your mortgage renewal offer.
Your lender’s first offer may be convenient, but it is still worth comparing the rate, payment, penalties, privileges and flexibility before committing to another term.
YOUR NEXT MOVE
Let’s make the mortgage fit your life.
A quick conversation can show you what is possible, what it costs, and which option actually makes sense.
