Do Not Sign the First Offer
Mortgage Renewals
Janice Mejias shops mortgage renewals across 90+ lenders so Ontario homeowners do not sign their bank's first offer, which is typically not the best rate the market will give them.
Call 437-475-4838Your renewal letter is not a bill. It is an opening offer. Banks count on the fact that most people sign it within minutes of opening the envelope, which is exactly why the first number is rarely their best number.
Renewal is the one moment you can move your entire mortgage without penalty. We start comparing four to six months before your term ends, hold the best rate we find, and use it either to move you or to make your own bank compete. Either way you win.
What you get
Start 4 to 6 months early
Rate holds protect you if rates rise and cost nothing if they fall.
No penalty to switch
At renewal your mortgage is portable across lenders without break fees.
Your bank, made to compete
A written outside offer is the fastest way to improve the one in your envelope.
Renewal reminder built in
Past clients get a call from Janice months before every renewal, automatically.
How it works
Renewal date check
Tell us your date and current rate. The comparison starts from there.
Market sweep
We pull current offers across 90+ lenders and hold the best fit.
Switch or stay
Move penalty-free, or use our offer to negotiate your bank down. Your call.
Common questions
Compare first. The first offer in a renewal letter is typically above what the same bank will accept after negotiation, and above what the wider market offers. Comparing costs nothing and takes one call.
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A 30-minute call with Janice Mejias, Mortgage Agent Level 1, FSRA #13669. No fees, no pressure.
Call 437-475-4838