Most renewal letters offer a convenient rate — not the best one. A 20-minute market check could save you thousands, consolidate high-interest debt, or unlock the equity you've built.
Whether your term is ending or you want to restructure, we compare 50+ lenders and run the numbers on whether switching is worth any penalty — honestly.
We benchmark your renewal offer against the whole market and negotiate the difference.
Roll high-interest cards and loans into your mortgage and free up monthly cash flow.
Access tax-free equity for renovations, education, or an investment property.
We calculate any break penalty and tell you plainly whether switching early actually pays.
Frequently, yes. At straight renewal there's usually no penalty to switch, and a lower rate from another lender can save thousands over the term. We handle the paperwork so the switch is effortless.
It depends on your lender and whether you're fixed or variable. We calculate your exact penalty (IRD or three months' interest) and only recommend breaking early when the savings clearly outweigh it.
If you have sufficient equity (typically up to 80% of your home's value), you can refinance to consolidate high-interest debt into one lower mortgage payment — often dramatically improving monthly cash flow.
About 120 days before your maturity date. That lets us hold a rate while we shop, so you're protected if rates rise and free to take a better deal if one appears.
Send us your renewal details and we'll benchmark them against the whole market within one business day.