Your renewal – Easiest way to get the best deal
Your mortgage is coming up for renewal, so here’s the zero-hassle plan I recommend. It might sound counter-intuitive, but start with your current lender, renewals with the same lender are usually the simplest. (Full transparency: I only get paid if we set up a new mortgage for you, but my goal is what’s best for you.)
Step 1 — Get your lender’s offer
Ask your current bank for their written renewal options (rates, terms, prepayment, penalties, portability).
Step 2 — I shop the market
Send me their offer. I’ll check the market for better rates/terms and options like HELOCs or more flexible penalties.
Step 3 — Use the better deal to your advantage
If I find something better, take it back to your bank:
If they match or beat it, great – you stay and it’s the easiest path.
If they can’t match, I’ll handle the switch for you. (That’s when we’d need updated docs like a job letter and pay stubs.)
Either way, you win – you’ll get strong terms with less hassle.
If you’d like, send me:
Renewal month/date
Preferred term (e.g., 3 or 5 years) and payment comfort
Any plans to move/renovate/borrow for other goals
I’m happy to compare everything side-by-side.
Call, text, or email anytime to set up a quick chat.
