Mortgage Renewal in Toronto
70% of Canadians renew with their bank without shopping — and overpay. Yours doesn't have to.
When your term ends, you can renew with your current lender or switch to a new one. I review your renewal letter, model alternatives, and recommend stay vs switch with real numbers — not sales pressure.
What we review together
Rate & spread
Posted vs discounted rates across lender network.
Term length
2, 3, 5 years — match your life plans.
Prepayment options
Lump-sum and double-up privileges matter.
Penalty check
If mid-term changes are on the table, penalties calculated first.
Start 120 days before your maturity date for the best selection. See today's rates on the home page.
Send me your renewal letter
We'll reply with a comparison — free, no obligation.
Book Renewal Review