Mortgage Renewal: Don’t Just Sign—Strategize.                     

What is a Mortgage Renewal?

When you take out a mortgage in Canada, you agree to a contract with terms like your interest rate and payment schedule for a set period—this is your mortgage term. Most Canadians go with a 3- to 5-year term, even though the mortgage itself might be amortized over 25 years.

At the end of each term, you’ll need to renew your mortgage unless you’re paying it off in full—which most people aren’t. If you’ve stayed on track with payments, your lender will likely send you a renewal offer. It’s easy to sign and move on—but that doesn’t mean it’s your best option.

Renewals are a great time to reassess your goals, secure a better rate, or even switch lenders. That’s where I come in. I’ll make sure your next term works for you—not just your lender.

Your renewal shouldn’t be automatic—it should be strategic.

Liz's Mortgage Renewal Reminder

Let’s take one thing off your plate. Share your renewal date with us, and we'll track it for you. No last minute scrambline or rushed decisions.

When the time comes, we'll review your options so you can make a smart move and lock in the best rate available.

Set up a Mortgage Renewal Reminder if:

• You have a mortgage. (Simple as that.)

• You’re concerned about paying more interest than you need to.

• You’re worried your monthly payments might jump.

• You own rental properties and want to protect your cash flow when it’s time to renew.

Let’s get ahead of it—so your next mortgage term works better for you. 

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