If you’re renewing or refinancing.

Incredibly 90% of Canadians renew their mortgage with the same lender-and many simply accept that lender's undiscounted posted rate without shopping around or negotiating.

If you're renewing a mortgage, you owe it to yourself to talk to a Mortgage Concierge Advisor first. With a single phone call to us, you can get Canada's leading lenders to compete for your renewal so you're virtually assured of getting a better deal. We'll also take the opportunity to do a no­-charge re-evaluation of your financial situation and needs to see if your current mortgage is still the best fit. Not only will you end up with the best-available rate, you'll have features and flexibility that can accommodate your changing needs.

If your needs change before your mortgage renewal date, your Mortgage Concierge Advisor can provide a refinancing solution. If you need to ramp up your retirement savings, we might suggest accessing home equity to make investments (for details on how this strategy can help create a tax deductible mortgage, click here). If you need extra cash flow, we could recommend refinancing into a longer amortization which would lower your monthly mortgage payments. If your credit card and other debt payments have become onerous, we can help consolidate that expensive debt into the more affordable debt of your mortgage.

Whether you're renewing or refinancing your mortgage, contact us today for a no-charge analysis of your needs.