A renewal is a good time for a conversation.

Before you sign your renewal, let’s check whether your mortgage still fits your life and the plans you have now.

Review more than the new rate

Consider payment changes, remaining amortization, prepayment privileges and whether you expect to move, renovate or change your borrowing.

Compare staying and switching

Ask about legal, discharge, appraisal and transfer costs. Some offers cover certain costs, but restrictions and eligibility apply.

Qualification can differ

OSFI does not expect the minimum qualifying rate for an uninsured straight switch at renewal between federally regulated lenders when the loan amount and amortization do not increase. Lender underwriting still applies; other transactions may require a stress test.

You don’t need all the answers before we talk.

Tell me a little about what you have in mind. We’ll take it from there.

Get in touch

Let’s start with a conversation.

A question is a good place to begin. Call, text or email whenever you’re ready.

705-706-1841
info@homesinmuskoka.ca

Based in Bracebridge, Muskoka. Working with clients throughout Ontario.

Privacy & website use · Contact

Kandice Moore | Mortgage Agent Level 1 | Ontario | BRX Mortgage Inc. | FSRA #13463

Financing is subject to lender approval, eligibility and terms. Calculator results are estimates. No rate or approval is guaranteed. Mortgage services are offered through the brokerage within Ontario Mortgage Agent Level 1 permissions. Business financing arrangements and any referral fees must be confirmed and disclosed separately.