Mortgages · Renewal
A renewal is negotiated, not signed by mail.
The renewal letter your lender sends is rarely the best it can do. Moving to another lender stays possible, and the new one often covers the cost.
What this page covers
- The window to shop without penalty before the term ends.
- Straight transfer or refinance: two operations, two costs, two files.
- What a lender can adjust without you leaving the institution.
For information only — not an approval, and not a rate offer. Figures and rates will follow once rate capture is in place.