Don't just sign whatever your current lender offers at renewal — we shop your file across our full lender panel first, whether you're renewing your term or refinancing to access equity or restructure your mortgage.
How It Works
Your refinance & renewal journey, simplified
01
Apply online
Tell us about yourself and your mortgage needs — takes about 2 minutes.
02
Team review
A licensed mortgage agent reviews your information and explores your options.
03
Options & match
We match you with the best lenders and solutions for your exact situation.
04
Approval & next steps
Get approved and move forward with confidence, guided the whole way.
What You'll Need
Documents to have ready
Exact requirements vary by lender and file — your mortgage agent will confirm the full list once we know your situation.
Common Questions
Refinance & Renewal FAQ
What's the difference between a refinance and a renewal?
A renewal is renegotiating your rate and term with your current lender at the end of your term, at your existing balance. A refinance can happen anytime, can access equity, and may involve switching lenders or restructuring the loan.
When should I start shopping before my renewal date?
Ideally 90–120 days before your maturity date — early enough to compare options across our full lender panel instead of just accepting your current lender's renewal offer.
Is there a penalty to refinance before my term ends?
Possibly — most fixed mortgages carry a prepayment penalty for breaking early. We'll calculate whether refinancing still makes sense once that's factored in.
Can I access equity as part of a refinance?
Yes, typically up to 80% of your home's value (minus your existing balance), for renovations, debt consolidation, or other goals.
General information only — your specific numbers depend on your file. A licensed mortgage agent will confirm exact details for your situation.
Get Started
Get pre-qualified
Welcome
Let's find your best mortgage option
Answer a few quick questions and a licensed mortgage agent will follow up personally — no obligation, no bank-style runaround.
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