Renew Your Barrie Mortgage the Smart Way
Compare offers, lock a better rate, and let our local team handle the heavy lifting.
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Time to Renew? Let’s Make Your Next Term Work Harder for You
Most lenders send a renewal slip 30 days before maturity, but waiting that long can sometimes cost you.
Our Barrie Mortgage Team can start shopping up to 120 days out, giving you a head-start on today’s competitive Ontario rates. Whether you live near Kempenfelt Bay or north of Highway 400, our Barrie mortgage team pinpoints savings, negotiates perks, and manages every document so your renewal lands smoothly with zero surprises.
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FAQs for Mortgage Renewals in Barrie, Ontario
When should we start shopping for our mortgage renewal?
Lenders typically let you lock a new rate up to 120 days before maturity. We mark that date on your calendar and canvas Canada’s top lenders early, so you’re never rushed.
Can we switch lenders at renewal without paying penalties?
Yes—at renewal your existing mortgage can be discharged with no break fee. Our team handles the paperwork and ensures your new Barrie lender covers standard transfer costs.
Will renewing our mortgage affect our credit score?
One credit inquiry has minimal impact and usually rebounds within weeks. The savings from a lower rate far outweigh the temporary dip, especially when we bundle multiple lender checks into a single pull.
How do we know if we’re getting the best rate in Simcoe County?
We track live offers from the Big 6 banks, credit unions, and mono-line lenders. Our rate sheets update daily, so you’ll see exactly where your Barrie renewal stacks up before signing.
What paperwork do we need for a smooth renewal?
If your finances haven’t changed much, most lenders only need a void cheque and proof of home insurance. Should income verification be required, we’ll outline the exact CRA docs or pay stubs up front.
Please note: it's always best to get in touch with our team to make sure each specific question you might have we can answer to you directly to ensure 100% accurate information.
