When your term ends, your lender sends a renewal offer and many people simply sign it. A renewal is a chance to step back and look at your options first. Here is what working with a broker adds at renewal time, so you decide with the full picture in front of you.
We review the offer with you before anything is signed.
We look beyond your current lender for the fit.
Fixed or variable, and a term matched to your plans.
Consolidate debt, access equity, or adjust payments.
If you move lenders, we manage the paperwork.
The renewal that arrives in the mail is one option from one lender. Signing it is quick, but it does not tell you whether another structure would suit your plans better.
We look at your situation and the wider market, walk through the trade-offs in plain language, and help you choose the option that fits where you are headed.
Coming up for renewal? Bring us your renewal notice and your current details, and we will walk through the options together before you sign. A licensed member of our team will follow up.
Start a conversationInformation here is general and educational. It is not financial, legal, or lending advice, and it is not an offer of financing. Your options at renewal depend on your situation and lender criteria, and switching lenders may involve costs. 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.