Compare Your Options & Renew With Confidence (Not Guesswork)
Expert guidance to help you secure the best rate, terms, and lender for your next mortgage term.
When your mortgage is up for renewal, your current lender will often send a simple letter and ask you to “sign here.”
But renewals are one of the biggest opportunities to save money, improve your mortgage terms, and match your mortgage to your current lifestyle and financial goals.
And the good news?
You’re not required to stay with your existing lender.
That’s where I come in.
I help Cochrane homeowners compare renewal options across multiple lenders, evaluate rates and terms, and make a clear, confident decision—not one driven by pressure or limited information.
Whether you’re looking for a lower rate, more flexibility, better prepayment options, or a mortgage structure that fits your goals, I’ll guide you through it step by step.
(With Way Less Stress)
Inside my friendly, easy-to-follow guide, I'll share with you how I help my clients move through the mortgage process with clarity, confidence, and calm. Learn what really speeds things up, what slows things down, and how to feel prepared without the endless Googling.
Many lenders count on homeowners auto-renewing without comparing rates or terms—but this can cost thousands over a mortgage term.
I’ll review your renewal offer, compare it against competitive options in the Cochrane and Calgary region, and help you see clearly whether staying or switching gives you the biggest financial benefit.
You shouldn’t have to guess—you deserve to make an informed decision.
Mortgage needs change over time. Maybe you need more flexibility, lower payments, a shorter term, or better prepayment options.
I’ll compare lenders, explain fixed vs. variable pros and cons for today’s market, and help you understand which structure best fits your lifestyle and long-term plans.
With plain-language guidance, you’ll feel confident about choosing the mortgage that truly works for you.
Renewals can be surprisingly quick and easy—especially with the right support
I’ll walk you through the paperwork, timelines, qualification steps (if any), and lender switch requirements, so you always know what’s coming next.
No pressure, no overwhelm—just a smooth, well-organized process from start to finish.
No. You’re free to renew with any lender. Comparing options almost always gives you more leverage and better choices.
Ideally 120–180 days before your renewal date. This gives time to secure a rate hold and compare options.
Sometimes, depending on the situation. I’ll review your current mortgage to determine if fees apply—and whether switching still offers long-term savings.
Yes. Renewal is the perfect time to switch from fixed to variable, adjust your term length, or improve your prepayment flexibility.
Yes. Many homeowners choose to adjust their mortgage, consolidate debt, or access equity at renewal. I can help determine whether a refinance-at-renewal makes financial sense.
I can compare it to competitive market rates and terms to show you exactly how it stacks up—so you never have to wonder.
Let’s compare your options and make sure your next mortgage term truly supports your goals.