Renewing in 90 days — talk to the renewal desk
Don’t sign your bank’s renewal letter blind. Get a free strategy call and renewal quote from this licensed desk (LendCity Mortgages, Mortgage Architects FSRA #12728) — rates compared across 30+ lenders.
Under 90 days — act now
Why act in the next 90 days
- • Rate holds are often available up to 120 days before maturity — waiting until the last week leaves money on the table.
- • Uninsured straight switches (same balance, same amortization, no new money) are exempt from the prescribed MQR since November 21, 2024; B-20 and lender overlays remain.
- • Your bank’s posted renewal offer is rarely their best rate — a competing commitment letter changes the negotiation.
One next step
Book a free LendCity strategy call. Bring your maturity date and renewal letter if you have it — we’ll map switch vs stay and a clear quote path.
Book your free renewal call →Useful next reads
- Switching lenders at renewal — process, costs, and savings
- Stress test at renewal — when the MQR applies (and when it doesn’t)
- Discharge fees by lender — true cost of leaving
- Book on MortgageRenewalHub — same LendCity team, on-site scheduler
Related Guides
Switching Lenders at Renewal
How to change lenders at renewal — prescribed-MQR exempt on uninsured straight switches; overlays remain.
Stress Test at Renewal
When the stress test applies, when it doesn't, and how to pass it.
Discharge Fees by Province
What each Canadian lender charges to discharge a mortgage.
Best Mortgage Renewal Rates
Current best renewal rates — fixed and variable — across Canada.
Book a Free Strategy Call
30-minute call with a licensed broker — free, no obligation.
Renewal Checklist
120-day countdown: every task from offer review to signing.
Under 90 days — act now
We'll compare your bank's letter with 30+ lenders before maturity.