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Bank of Canada 2.25% ▬ 0.00|Prime 4.45% ▬ 0.00|GoC 5yr 3.01% ▲ 0.02|CMB 5yr 3.42% ▲ 0.01|CORRA 2.24% ▼ 0.01|as of Jun 15, 2026 · sample · view the rate board →|Bank of Canada 2.25% ▬ 0.00|Prime 4.45% ▬ 0.00|GoC 5yr 3.01% ▲ 0.02|CMB 5yr 3.42% ▲ 0.01|CORRA 2.24% ▼ 0.01|as of Jun 15, 2026 · sample · view the rate board →|

Your Mortgage Renewal Review Checklist

A renewal is a decision point, not just a form to sign. Before you accept an offer, it is worth a look at where you stand and what has changed. Use this checklist to review your mortgage and your options, then bring it to us and we will walk through it with you.

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What to Review Before You Renew

Know Where You Stand

  • Your current balance and lender
  • Your maturity or renewal date
  • Remaining amortization
  • Current rate type and term ending
  • Any home equity line tied to the mortgage

Think About What Changed

  • Income or employment changes
  • Plans to move, sell, or renovate
  • Family or household changes
  • Your retirement timeline
  • New goals for the years ahead

Options Worth Exploring

  • Fixed or variable rate
  • A term length that fits your plans
  • Payment frequency and amount
  • Prepayment privileges
  • Reviewing options across lenders

Before You Sign

  • Review the renewal offer; do not auto-sign
  • Understand any costs to switch lenders
  • Consider consolidating higher-interest debt
  • Consider accessing equity with a refinance
  • Start the review early, a few months ahead
A renewal is a chance to review, not a formality. Do not just sign it. Starting a few months before your maturity date gives you time to look at the options. Bring us your checklist and we will compare what fits. The same goes for commercial and investment property renewals, which we review with you too.
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Start a Renewal Review

Coming up for renewal? Bring us this checklist and your current details, and we will walk through your options together so you can decide with the full picture. A licensed member of our team will follow up.

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(902) 835-6420  |  contact@tmgharbourtown.ca

Information here is general and educational. It is not financial, legal, or lending advice, and it is not an offer of financing. The items that apply to you may differ, and your options depend on your situation. Any figures are illustrative only. All financing is subject to lender review, property review, and supporting documentation. Submission of a form does not guarantee approval or financing.