Newmarket Mortgage Renewal Experts
Secure today’s rate and refresh your budget with guidance from our local team
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Our Ontario Lending Advantage
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Some of the lowest rates anywhere
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free, no-hassle conversation
Renew Your Mortgage in Newmarket With Confidence
When your term is almost up, we make sure your renewal serves you—not the other way around. Our local Newmarket-based mortgage team shops multiple Canadian lenders to uncover lower rates, flexible amortizations, and pre-payment perks that your current provider may not mention.
From early-renewal strategies to switching lenders without surprise fees, we handle the paperwork while you enjoy life on Main Street or a stroll through Fairy Lake Park.
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FAQs for Mortgage Renewals in Newmarket, Ontario
When should we start our mortgage renewal process?
We recommend reaching out four to six months before your maturity date. That timeline lets us lock in a rate while you’re still enjoying weekends at Upper Canada Mall—well before your lender’s automatic offer hits your inbox.
Can we negotiate a better rate than our lender’s first offer?
Absolutely. Our team compares dozens of Canadian lenders and uses real-time bond-yield movements to push for a lower rate. Many clients save thousands versus signing the “quick renewal” form that arrives by mail.
What documents will we need for a renewal in Ontario?
For most renewals we just need proof of income (recent pay stubs or NOAs) and current mortgage statements. If you’re self-employed on Davis Drive, we’ll also gather recent tax returns to showcase your true earning power.
Will renewing impact our credit score or involve land-transfer tax?
Renewing with your existing lender doesn’t trigger a new registration, so there’s no land-transfer tax. Credit inquiries are soft when we pre-qualify, and a single hard check happens only if you switch—rarely moving your score more than a point or two.
How can a broker help us switch lenders smoothly?
We coordinate appraisal, legal, and discharge steps so you barely lift a pen. Think of us as your pit crew—getting you from a high-rate lender to a lower-rate one before you hit the next red light at Mulock Drive.
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.
