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Renewal & switchRenewal, without the panic.
Your renewal letter is an offer, not your only option. I start planning 13 months before your maturity date, so you have a protected rate, room to improve it, and time to decide calmly.
Is this right for you?
Protection
A rate hold gives you a ceiling while you keep options open.
Weekly tracking
I watch the market weekly and act when something better appears.
Stuck is a myth
A penalty is a timing question. I run the comparison so you can see if moving early makes sense.
No rushed signature
You decide with the full picture, well before your maturity date.
The 13-month strategy.
We review your goals and I secure a 120-day rate hold to protect you if rates rise.
Same rate available? Refresh the hold. Lower rate? Lock it in. Higher? We compare costs.
A penalty is a timing question. I show you the full cost comparison, penalty included.
No rushed decisions from a renewal letter. Often a new lender covers the switch costs.
Months before maturity. Illustration of the strategy; every file is reviewed on its own merits.
Renewing in the next 18 months?
Now is the right time to start planning. Book a renewal review and we will map out your options, with no obligation.
Clear steps, no surprises.
13 months out
I reach out, review your goals and secure a 120-day rate hold.
About every 100 days
If the rate is the same, I refresh the hold. If it is lower, I lock the new one.
If rates rise
I run the cost comparison to confirm the savings still justify any penalty.
At maturity
Renew or switch, with the decision already made calmly.
How switching works
Options, not pressure. I will lay out the trade offs, including when the right answer is to wait.
math first, always
A switch is a transfer, not a new purchase
Your balance moves to the new lender, usually with a simplified process.
A new lender often covers switch costs
Legal and appraisal costs are frequently covered for straight switches. I confirm this before you commit.
Same lender is fine too
If your current lender offers the best fit, I will tell you, and we refresh with them for efficiency.
Common questions
When should I start thinking about renewal?
About 13 months before your maturity date. That gives time for a rate hold and a few refreshes before your term ends.
Can I switch lenders at renewal without a penalty?
At maturity there is normally no penalty to move. Before maturity a penalty may apply, which is why I run the numbers on timing.
What if my credit or income has changed?
Let's talk early. There are options for most situations, and more time means more choices.
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Ready when you are.
Start your application online, or book a relaxed conversation first. No pressure either way.
Prefer the phone? Call 613-714-9499. Office visits by appointment.