Easy Ontario Mortgage Renewals
We shop the market, lock in rates up to 120 days early and handle the paperwork so your renewal is smooth and profitable.
Get Your Free ConsultationNo-hassle, No-obligation. Your info is safe, and you’re in control.
Our Ontario Lending Advantage
Fast
Lending Approvals
Low Rates
Some of the lowest rates anywhere
98%
would recommend us
No-Obligation
free, no-hassle conversation
Why Shopping Your Mortgage Renewal Pays Off in Ontario
Most lenders mail out a take‑it‑or‑leave‑it renewal letter 30 days before maturity.
Our local mortgage team will start the conversation months in advance, compare offers from mainstream and credit‑union partners and often trim hundreds in yearly interest for families from Barrie’s south end to Windsor’s Walkerville and all points in between.
FAQs for Mortgage Renewals in Ontario
When should I start shopping my mortgage renewal?
We suggest starting 120 days before maturity because most lenders will hold a rate that long. This gives GTA homeowners time to compare offers without worrying about a last‑minute scramble.
Can I switch lenders without paying legal fees?
Yes, many new lenders cover standard switch costs, so Barrie and Burlington clients often move at no out‑of‑pocket expense. We confirm eligibility and outline any discharge fees your current lender may charge.
Is there a penalty for renewing early?
If you are in the final four months, most lenders waive penalties. Outside that window we calculate whether the savings from a lower Windsor rate outweigh any early‑break cost.
How long of a rate hold can I get at renewal?
Rate holds typically run 90 to 120 days, which covers most renewal timelines. If you need longer, we have credit‑union options popular with Burlington commuters on variable incomes.
Will I need to pass the stress test again?
If you stay with the same lender, a new stress test is not required. Switching lenders does trigger a new qualification, but we handle the paperwork and most Barrie renewals clear with ease.
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 percent accurate information.
