Book Your Free Renewal Strategy Call
Our licensed mortgage professionals will review your options, compare rates across 30+ lenders, and build a personalized strategy — completely free.
Calls are taken by licensed mortgage agents David Cardozo and Kirann Sharma — free, no obligation.
What to bring to your call
- Most recent mortgage statement (balance, maturity date, charge type)
- Renewal letter or rate offer from your bank, if you have it
- Rough income docs (T4, NOA, or business financials if self-employed)
- Your target: lower payment, lowest rate, or access equity
No credit pull until you authorize a formal application. See how broker pricing works.
This content is for educational purposes only and does not constitute financial or mortgage advice. Always consult a licensed mortgage professional for advice specific to your situation.
What LendCity clients say
Mortgage Renewal Hub is LendCity Mortgages’ renewal desk (Mortgage Architects FSRA #12728). These are verified Google reviews of LendCity Mortgages — the same brokerage — not reviews collected for this site.
“I worked with Paul and Jillian to navigate the mortgage process. This was my first time getting into the market and the team at lend city made it so easy. Paul…”
“Scott and Kirann were fantastic to work with. This was our first home purchase and along with planning a wedding, honeymoon, and still working our full-time…”
“I can't recommend Gillian Irving and Scott Dillingham at LendCity™ highly enough. My husband and I worked with them on a surprise purchase that ended up being…”
“I recently worked with Scott and Aya on a mortgage transaction and had a positive experience. They were knowledgeable, responsive, and focused on achieving…”
“Scott & Kirann were incredibly helpful, professional, and kind throughout the entire process of securing my first mortgage. Both agents have a wealth of…”
“Scott and Aya were very helpful with the purchase of our first home! Got us a great rate with no stress!”
“Great working with Lend City Mortgages! I truly appreciate how Scott and Kirann handled the entire process—professional, efficient, and always on top of…”
“LendCity™'s Scott Dillingham and Kirann Sharmaa went up, over and beyond helping me with all the fine details of the mortgage process as well as locking in the…”
Related Guides
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Renewal Checklist
120-day countdown: every task from offer review to signing.
Document Checklist Generator
Custom doc checklist based on your income type and lender.
Switching Lenders at Renewal
How to change lenders at renewal — prescribed-MQR exempt on uninsured straight switches; overlays remain.
Best Mortgage Renewal Rates
Current best renewal rates — fixed and variable — across Canada.
Renewal FAQ
Most-asked Canadian renewal questions, answered plainly.