Licensed mortgage agent · Barrie, Toronto & the GTA
Your renewal letter isn't the final offer.
Banks count on you signing what they mail you. I compare dozens of lenders on your renewal, refinance or business-capital request, then show you the numbers side by side. Free, and you're never obligated.
- ★★★★★ 5.0 on Google
- FSRA licence M25000475
- The Genesis Group, brokerage #12861
Mortgage renewal notice Sign by maturity
Type in the numbers from your own letter:
$
%
%
yrs
Your payment changes by
$0/mo
Calculating…
Estimate only: semi-annual compounding, same amortization. Your actual options depend on your lender, credit and property.
Where most of my clients start
Pick the one that sounds like you.
Term ending soon
Mortgage renewal
Your term ends in the next 12 months and the rate in your letter stings. Switching lenders at renewal usually needs no new stress test.
Compare before you sign → Using your equityRefinance
Roll credit cards and car loans into one lower payment, fund a renovation, or pull equity out for an investment. I'll show you if the math works first.
See what you could free up → For business ownersBusiness capital
Cash for payroll, inventory, equipment or a slow season. Funding options from $10K, often decided within days, not months.
Check my funding options → The renewal clock
The best time to call me is before your letter arrives.
Most lenders send renewal offers about 21 days before maturity. By then, you've lost most of your leverage. Here's the timeline that keeps it.
6 months out
Start the review
We look at your balance, goals and whether to stay, switch or restructure.
120 days out
Lock a rate hold
Many lenders will hold a rate for up to 120 days. If rates drop, you get the lower one.
30–60 days out
Compare & decide
Your bank's offer arrives. We put it beside the alternatives and you choose.
Maturity day
Switch, penalty-free
Moving at maturity has no prepayment penalty. Legal and appraisal costs are often covered by the new lender.
How it works
Three steps. No credit check until you say so.
Step 1
Tell me your situation
Two minutes, online or by phone. Balance, timing, what you want to change.
Step 2
I shop it around
Banks, credit unions, monoline and private lenders. You see the real options, with the trade-offs explained.
Step 3
You choose
Pick an option or keep what you have. For most residential mortgages, the lender pays my fee, not you.
Lic. M25000475 Who you'll be working with
Hi, I'm David. You'll deal with me, start to finish.
I'm a licensed mortgage agent with The Genesis Group, helping homeowners and business owners from Barrie down through Toronto and the GTA. Before mortgages I worked in advertising, so I'm used to cutting through fine print and explaining things plainly.
No call centre and no hand-offs. You get my cell, straight answers, and a clear recommendation, including when the right answer is to stay where you are.
- Licence
- M25000475
- Brokerage
- The Genesis Group
- Google rating
- 5.0 ★
Free, no-obligation review
Tell me where you're at. I'll come back with real options.
The more I know up front, the more useful my first call is.
- No credit check until you give the go-ahead
- A reply within one business day
- Your information stays with me, never sold
Latest from Mortgage Talk
Plain-English mortgage advice for Ontario
Common questions
Before you call
Does it cost anything to work with a mortgage agent?
For most residential mortgages and renewals, no. The lender pays the agent when your mortgage funds. If a file needs a private or alternative lender, any fee is disclosed in writing before you commit.
Do I have to pass the stress test again to switch lenders at renewal?
Since November 2024, federally regulated lenders don't require the stress test for a straight switch at renewal, as long as you're not adding to the balance or extending the amortization. That makes it much easier to shop your renewal.
When should I start looking at my renewal?
Four to six months before your maturity date. That gives time to get a rate hold, compare offers, and switch without paying a penalty.
Will checking my options hurt my credit?
The first conversation needs no credit check at all. When you're ready to apply, a single credit pull is used across lenders.
Can you help if I'm self-employed or my credit isn't perfect?
Yes. I work with banks, credit unions, monoline lenders and private lenders, so there are options for business-for-self income, bruised credit and unusual properties.