LIVE MARKET DATA
5-Year Fixed: 4.14% ▼ 0.05%
5-Year Variable: 6.10% FIXED
3-Year Fixed: 4.59% ▲ 0.02%
Insured Rate: 3.99% ▼ 0.10%
Prime Rate: 7.20% UNCH
5-Year Fixed: 4.14% ▼ 0.05%
5-Year Variable: 6.10% FIXED
3-Year Fixed: 4.59% ▲ 0.02%
Insured Rate: 3.99% ▼ 0.10%
Prime Rate: 7.20% UNCH
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How it works

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24/7 Support Available +1 888 905 2134
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Time to Renew?
Don't just sign the letter.

Banks rely on you renewing without checking the market because it makes them money. We force them to compete with 30+ lenders to ensure you actually get the lowest rate for your next term.

Compare Renewal Rates

Takes 3 minutes. Zero obligations.

THE RENEWAL TRAP

Why the renewal letter is never their best offer.

Nearly 60% of Canadians simply sign and return their mortgage renewal letter from their current lender. By doing this, they unknowingly leave thousands of dollars on the table.

Your current lender offers a rate slightly below posted rates to seem competitive, but they know exactly the inconvenience of switching. We remove that inconvenience completely. We use your current standing to shop over 30 competitors to force your current bank to drop their rate, or we switch you to a better one seamlessly.

  • We cover any switching costs or appraisal fees.
  • You can secure a rate up to 120 days before your term ends.

Renewal Timeline

120 Days Out

We secure and lock down a low rate. If rates drop before you renew, you get the lower rate.

60 Days Out

You receive your bank's typical renewal letter. You compare it to our locked rate.

0 Days - Renewal

We seamlessly transition your mortgage to the new lender, saving you thousands.

Is your renewal coming up in 2026?

Don't wait. You can lock in today's best rate up to 120 days before your mortgage matures. It's completely free to hold a rate.

Hold My Rate Today
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Mortgage Brokerage licensed in Ontario: FSRA 12984, Alberta: RECA LIC-00516872, British Columbia: BCFSA X301004, Manitoba Securities Commission licensed, Nova Scotia: License #2022-3000058, Newfoundland/Labrador: 23-07-HO061-1, New Brunswick: FCNB 210057266 and Saskatchewan: FCAA 512263.

Real Estate Licensed in Ontario, as a registered OREA Brokerage, West Avenue Real Estate. We are a member of the Canadian Mortgage Brokers Association (CMBA).

Proudly Canadian. Always Independent.