Reviewed by Scott Dillingham · Licensed Mortgage Broker · Updated May 2026
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.
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.
Free Strategy Call
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.
Related Guides
Using a Broker at Renewal
How a broker shops 30+ lenders at no cost to you.
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 — no stress test on straight switches.
Best Mortgage Renewal Rates
Current best renewal rates — fixed and variable — across Canada.
Renewal FAQ
Most-asked Canadian renewal questions, answered plainly.