Your renewal letter
An offer, not a requirement
You are not obliged to sign the renewal your lender sends. The weeks before maturity are a normal window to review other terms.
Preparing for a mortgage renewal
Review your current mortgage, renewal information and priorities before deciding on your next term.
What to review before you decide
- your maturity date and any offer received
- the offered term length and how it fits your plans
- prepayment and portability features
- what changing lenders could involve
When to start
- many borrowers begin 4 to 6 months before maturity
- timelines vary by lender — confirm your exact date
Why work with a broker
Mortgage guidance built around your options
A mortgage broker can help you review available options from multiple lenders, understand lender requirements, and compare solutions based on your goals, income, credit profile, down payment, property type, and long-term plans.
No broker can guarantee approval, a specific rate, or that every borrower will qualify. The goal is to help you understand your options before you commit.
Read more about working with a brokerConsider:
- your maturity date and any renewal offer you have received
- whether your needs or plans have changed
- questions about terms and options that require a complete review
Protect sensitive information
Use the right channel for each step.
Use the public contact routes only for a general objective and contact details. Do not email or submit financial documents, identity records, credit information, or detailed debts.
See how the process worksChoose your next step
Ask a general question or continue to the mortgage application.