Your Yearly Mortgage Checkup

Our valuable checkup service is free, with no obligation.

If you're an existing client, you don't need to remember to contact us — you'll automatically receive a checkup call. But you're welcome to submit our form (or call us) if you'd like to start your checkup right away.

Not currently a client? Our expert mortgage brokers can quickly offer targeted advice based on the details you provide, no matter your lender.

We can give your mortgage a workout while you remain in the comfort of your own home. We make it easy.

1. Is your rate in top shape?

Rates have come down. Do you still have the best rate for your situation? Mortgage rates can change quickly, especially as markets cool down (or heat up).

• Can you save money by switching to a lower rate?
• Is it time to choose a variable rate vs. a fixed rate?
• Do you need Canada's lowest open variable-rate mortgage while deciding on your next mortgage move?

Depending on your mortgage details and potential pre-payment penalties, your expert broker can help you determine your best savings options and budget fit for the year ahead (and beyond).

2. Strengthen your renewal game.

Is your renewal coming up this year? Don't just sign your renewal offer — if you're worried about the budget hit of higher rates waiting, checking in with your expert broker can load you up with great savings advice.

• Could a variable rate save you money this term?
• Fixed rates are still volatile — the more prepared you are, the quicker you can pull the 'renewal' trigger for your best rate.
• What term length should you choose if rates are expected to increase or decline?
• Have you paid lump sums ahead of your renewal? Ask your broker about options to lower your mortgage payment (like recasting).
• Switching lenders may give you better options to align your homeownership goals.
• Stretching your amortization may offer some needed budget room.
• You have the right to shop around, and our brokers can do the work for you while passing along a rate discount.

3. Free up some extra cash for relaxation.

You may want to access funds to take a vacation from the economic stress or invest in tax savings products that allow more financial peace of mind. Ask us about a refinance, cash back on your home purchase, or adding a HELOC to your mortgage.

If you're buying a home or switching lenders, check out our short-term Rate Relief™ product for a budget break.

Take a spin with our great mortgage calculators to see some numbers, then talk to an expert broker for your exact picture.

4. Get back into shape (debt-wise, that is).

Canadian consumer debt rose to a record $2.6T in the third quarter of 2025, primarily driven by an increase in mortgage balances.

If you're looking to improve your 2026 budget outlook, consolidating your other debts into one mortgage payment through a refinance can help you get in the clear, improve your credit report, plus help you save with a lower interest rate compared to higher credit card or personal loan interest rates.

Or, adding a second mortgage can also provide you with a cost-effective, short-term solution that avoids a mid-term penalty, depending on your renewal date.

5. Access home equity for upgrade energy.

How long have you thought about upgrading your home or getting energy-efficient systems in place?

Get the cash to get it done with expert, unbiased advice and your lowest possible rate.

6. Pay off your mortgage faster for a savings 'second wind.'

• Even a small tweak to your monthly payment schedule can shorten your mortgage length significantly — saving you thousands on interest.
• Putting extra down through your pre-payment privileges can also get you ahead of schedule.
• More down as lump sums before your renewal can provide a buffer against higher rates.
• Can you recast your mortgage for lower payments?

Working out a strategy now can help you save on interest later. And before you know it, you may be celebrating your last official mortgage payment!

7. Improve flexibility (in your mortgage conditions).

You're only as flexible as your current mortgage agreement allows. Your mortgage review may unearth unsettling restrictions or penalties if you pay down too much, which can cost you more in the long term.

We can help you decide if a change is in your best (mortgage) interest, especially if your future needs are uncertain. At the very least, understanding your mortgage fine print can help you make more informed decisions along the way.

And, if you need a short-term mortgage solution to see you through, we're your mortgage 'fitness' coach, offering more flexibility than the big banks to help customize a solution.

8. Considering a lifestyle change? Get pre-qualified to know your limits.

Are you thinking about buying your next home to trade up for more space, or downgrade for less maintenance? Or perhaps you'd like to buy a vacation home or invest in a rental property.

Being as prepared as you can, as early as you can, will help you decide what you can afford, what rate you may qualify for, and how much you'll need for a down payment.

A rate discussion with our expert brokers is always informative. Time your move to save the most!