Your How to Guide to Renewing your Mortgage

1. REMEMBER, YOU’RE IN THE DRIVER’S SEAT

You’ve got a track record as an owner, and lenders will want your business and will compete for it. That’s where a mortgage broker can really help. Your first step is to connect with us. With low interest rates and a growing selection of innovative mortgage solutions, you could potentially save thousands by shopping around.

2. COMPARISON SHOP

Our independent Mortgage Brokers know what’s going on in the marketplace, and can connect with over 50 lenders to find the best the best interest rate and options for your renewal. After all, a lower rate can save you big time in costs over the life of your new mortgage.

3. DO THE MATH

You’ll be offered a number of loan options, so discuss them with your Mortgage Broker and choose one that best suits your needs. Over and above considering the lowest rate, discuss whether a fixed or adjustable rate is better for your situation.

4. ASK FOR MORE

There will be a few fees and costs associated with this process, such as legal and administrative costs for transferring the mortgage, as well as a mortgage discharge fee. Your Mortgage Broker can ask to have these costs absorbed – it’s worth asking because it’s competitive out there.

5. SIT BACK AND RELAX

That’s it. Once your renewal is completed you can sit back and give yourself a pat on the back (and your Mortgage Broker too).

In the majority of cases your existing lender will offer you a moderate discount over the “posted rates” and all you have to do in most circumstances is sign a letter you receive by mail. Sounds easy and painless, we know, but you may have just cost yourself thousands of dollars over the new term of your mortgage.

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