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.
Google reviews of LendCity Mortgages
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. We lead with renew, refinance, and remortgage comments where they exist.
“Kirann did a wonderful job with my refinance. She really took the time to understand all of my needs. She was patient with answered all of my calls throughout…”
“Scott and his team were very responsive and quick to address any questions and concerns we had throughout the process of refinancing our home. They presented…”
“I remortgaged with Lendcity Mortgages and I would highly recommend them. They were always available throughout the process to answer my questions and were able…”
“Scott and his team at LendCity™ mortgages made the process so simple and time effective. They got me a much better rate than dealing directly with the banks…”
“Scott and his team was very helpful in finding me a better rate compared to other banks. The team is also very professional and informative.”
“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…”
“Great working with Lend City Mortgages! I truly appreciate how Scott and Kirann handled the entire process—professional, efficient, and always on top of…”
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 — 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.