About MortgageRenewalHub.ca
MortgageRenewalHub.ca is LendCity Mortgages' renewal desk (Mortgage Architects FSRA #12728). Built to help everyday Canadians make informed decisions and save thousands at renewal.
Last updated: July 5, 2026
Don't Auto-Renew Blind
Helping Canadians Stop Leaving Money on the Table
Over 70% of Canadians sign their bank's first renewal offer without shopping around. Banks know this and count on it. The result? Billions of dollars in unnecessary interest paid by Canadians who simply didn't know they had better options.
MortgageRenewalHub.ca exists to change that. We provide clear, accurate, jargon-free information about mortgage renewals — starting with our complete mortgage renewal guide — so that every Canadian can approach their renewal from a position of knowledge and confidence.
Our guides, calculators, and resources are free. We earn revenue when you choose to book a free consultation with a licensed mortgage broker — but we never pressure, upsell, or compromise the quality of our educational content.
~1M
70%+
$15,000+
$0
~1M Canadian households renewing in 2026 (CMHC Spring 2026 RMIR). Average amount a 0.5% rate improvement saves over 5 years on a $600K mortgage: $15,000+.
What We Provide
-
In-Depth Guides
Comprehensive guides covering every aspect of Canadian mortgage renewal — from the basics to complex scenarios like self-employment, bad credit, and investment properties.
-
Free Calculators
15+ free Canadian mortgage renewal tools using accurate semi-annual compounding math — payment, switch-vs-stay, penalties, stress test, and more.
-
Checklists & Tools
Printable month-by-month renewal checklists, document guides, and comparison templates to keep your renewal on track.
-
Provincial Guides
Province-specific guides for Ontario, BC, Alberta, and other major markets — because mortgage rules and lenders vary by province.
-
40+ FAQ Answers
Honest answers to the most common mortgage renewal questions — including the ones banks hope you won't ask.
-
Free Broker Access
When you're ready to take action, book a free strategy call with a licensed mortgage broker who can compare rates from 30+ lenders.
How This Site Works
MortgageRenewalHub.ca is an educational resource powered by LendCity Mortgages, a licensed Canadian mortgage brokerage. Our guides and calculators are free to use and have no conditions attached.
When you book a free strategy call through this site, you're speaking with a licensed mortgage agent on the LendCity team who can compare rates from 30+ lenders on your behalf. Broker services are always free to borrowers in Canada — lenders pay the broker, not you.
This means our interests are aligned: the better our information, the more likely you'll find value in speaking with our team. We have no incentive to promote specific lenders or products — only to give you the best possible information.
Primary sources cited across this site include the Financial Consumer Agency of Canada (FCAC), CMHC housing research, the Bank of Canada, and OSFI Guideline B-20. Rates and program details are for education only — confirm current rules with a licensed professional.
Meet Scott Dillingham
Scott Dillingham is the principal broker at LendCity Mortgages and the named expert author for MortgageRenewalHub.ca. Every guide, calculator walkthrough, and renewal scenario on this site is reviewed against the Canadian mortgage rules in force at the time of publication — OSFI B-20, FCAC mortgage guidance, and lender-specific overlays.
Scott has been active in Canadian mortgage brokering for over a decade, specialising in renewals, switches, and complex-income files across all ten provinces and the territories. He personally reviews the technical accuracy of the content on this site and keeps it current as rules change.
- Role: Principal broker, LendCity Mortgages
- Licence: FSRA agent #M19002380
- Credentials: Licensed Mortgage Agent (Ontario, Level 2)
- Focus areas: Mortgage renewal, refinance, switch strategy, investment properties
- Based in: Windsor, Ontario · serving Canada-wide
LendCity Mortgages
MortgageRenewalHub.ca is owned and operated by LendCity Mortgages — a full-service Canadian mortgage brokerage helping homeowners, investors, and first-time buyers across the country secure better rates and smarter mortgage strategies.
4769 Wyandotte St EWindsor, Ontario N8Y 1H8
(226) 783-1640
Mortgage Architects · FSRA brokerage #12728
Scott Dillingham, FSRA agent #M19002380
Related Guides
Using a Broker at Renewal
How a broker shops 30+ lenders at no cost to you.
Complete Mortgage Renewal Guide
Everything Canadians need to know about renewing a mortgage in 2026.
Renewal Case Studies
Real Canadian renewals — numbers, decisions, and outcomes.
Contact Us
Questions about your renewal? Reach our licensed team.
Book a Free Strategy Call
20-minute call with a licensed broker — free, no obligation.
Broker Pricing
Free to you — how Canadian mortgage brokers are compensated.
Don't Auto-Renew Blind
Book a free call with a licensed broker. We'll compare offers from 30+ lenders before your maturity date.