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70% of Canadians simply sign their mortgage renewal letter. Many renewal letters are sent out at posted rates - more than 2% higher than the best rates offered to new clients. This can cost you $2000.00 per year per $100,000 of mortgage in additional interest.

The process of a switch to a new Lender at renewal can be painless (if you use a mortgage broker) it does not involve appraisal costs, or legal fees and can be a great experience - especially when you are saving money!

Call me at 4-6 months in advance of your current mortgage coming up for renewal and we can make sure you get the best rate and terms either with your existing Lender or a new one!