Renewals
Your renewal letter is just an offer.
Most Canadians sign their renewal letter without negotiating. That's why banks send them. Let's do better.
Free Renewal Audit
Send me your offer — I'll benchmark it against the market in 24h.
Lower Rate, No Penalty
Switch lenders at maturity with $0 in penalties.
Better Term Structure
Fixed vs variable vs hybrid — modelled for your risk profile.
Prepayment Privileges
Find lenders with 20%+ annual lump-sum allowances.
No Surprise Fees
Every cost disclosed before you commit.
Set & Forget
I'll remind you 120 days before your next renewal.
How it works
A clear path forward
01
Send Offer
Forward your renewal letter or current rate.
02
Market Scan
I find the best lender for your profile.
03
Switch or Stay
Sometimes staying is right — I'll tell you either way.
04
Renewed
Paperwork handled. New rate locked.