Your current lender's renewal offer is designed to be convenient, not necessarily competitive. Before you sign, let us compare it against the wider market at no cost to you.
Switching mortgage lenders at renewal, or refinancing mid-term, allows homeowners to access more competitive rates, better terms, or restructured payments than their current lender's automatic renewal offer. Comparing the market at renewal time typically costs nothing, since broker compensation for conventional switches is paid by the new lender.
Lenders count on renewal inertia. A quick comparison is often worth thousands over your next term.
Switching lenders at your renewal date typically avoids any prepayment penalty entirely.
Your renewal offer is compared against other banks and monoline lenders before you decide.
Refinancing can also extend amortization, consolidate debt, or access equity alongside a better rate.
Best started 90 days before your renewal date, but workable closer to the deadline too.
Send us your current lender's renewal notice and mortgage statement.
We compare the offer against current rates from other banks and monoline lenders.
If a better option exists, we handle the switch; if your current offer is genuinely competitive, we'll tell you that too.
The new lender coordinates directly with your current one so there's no payment gap or disruption.
These are the most common triggers for a productive switch or refinance conversation.
What homeowners ask as their renewal date approaches.
Send your renewal notice for a free, no-obligation comparison.
