The rate on your renewal notice is rarely your bank's best offer. Before you sign, let me shop 40+ lenders — switching at renewal is often free, and it can save you thousands over your next term.
Today's Renewal Rates
Owner-occupied purchase/renewal pricing for 20%+ down or equity (conventional), updated daily. . Compare these against whatever your bank put on your renewal letter.
Rates shown are for illustration only, are subject to change without notice, and are not an offer or approval of credit. O.A.C. Conventional (uninsured) rates apply with 20%+ down/equity; insured pricing differs. Actual rates vary by lender, term, property and qualification.
Why it matters
Lenders count on it. The renewal letter lands, the rate looks fine, you sign it back, and you never find out what else was on the table. But your renewal is the one moment you can move your mortgage with the least friction — and lenders compete hardest for borrowers who shop.
A fraction of a percent doesn't sound like much, but on a typical Calgary mortgage it can add up to thousands of dollars over a five-year term. That's money worth a fifteen-minute call.
What a smart renewal looks like
I compare your renewal offer against 40+ lenders so you know whether it's actually good — and negotiate from there.
Many lenders cover the costs to move a straight switch at renewal. In a lot of cases you change lenders at no out-of-pocket cost.
Renewal is the perfect time to revisit your term, payment, prepayment options, or roll in a small refinance if it helps.
Start early and we lock a rate hold, so you're never forced to accept a so-so offer just because the clock ran out.
When to start
Reach out as your renewal approaches. We can often secure a rate hold months ahead and protect you if rates rise.
I put your renewal beside 40+ lenders' offers so you can see exactly what staying vs. switching looks like.
Stay and negotiate, or switch for free — either way you sign knowing you got the best available deal.
Start your application or send me your current rate and renewal date — I'll tell you whether you can do better.