COMPLIMENTARY ONTARIO MORTGAGE RENEWAL REVIEW

Review your mortgage before you renew.

Your lender’s renewal letter is an offer—not your only option. Compare the rate, payment, prepayment privileges, penalty structure, and flexibility before you sign.

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✓ Takes about two minutes✓ No documents required✓ Ontario-wide help

WATCH BEFORE YOU SIGN

Before you accept your mortgage renewal offer.

Your lender’s first offer may be convenient, but convenience alone does not confirm that the mortgage still fits your plans. Compare the complete offer before committing to another term.

Review the proposed rate and payment.
Check penalties, privileges and portability.
Compare staying, switching or restructuring.
Start roughly 90 to 120 days before maturity.

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START HERE

Start your mortgage renewal review.

Share only the basics. You will not be asked for a SIN, banking information, account numbers, or documents.

STEP 1 OF 3

When is your mortgage renewing?

Choose the closest answer. An earlier review gives you more time to compare the complete offer.

Approximate mortgage balance (optional)

Rate and payment

Understand how the proposed rate, remaining amortization, and payment schedule work together.

Penalties and privileges

Review prepayment options, early-break penalties, portability, and other terms that can affect future flexibility.

Your complete plan

Consider cash flow, upcoming changes, debt, equity, and whether the mortgage still supports your priorities.

WHAT HAPPENS NEXT

A clear review before you make a commitment.

Share your renewal timingProvide only the basic information needed to begin the conversation.
Choose how to connectBook a call or send your completed summary by text.
Compare the complete offerSunny will explain the rate, payment, penalties, privileges, and available options in plain language.