Stress-Free Mortgage Renewals in Oakville
Beat rate hikes before maturity, we shop 30+ lenders so you save more
Secure Your Renewal RateNo-hassle, No-obligation. Your info is safe, and you’re in control.
We work with clients from all across Ontario including, Oakville, Burlington, Mississauga, Milton, Hamilton, Oshawa, Brampton and all points in between.
Our Ontario Mortgage Lending Advantage
Fast & Easy
Lending Approvals
Low Rates
Some of the lowest rates in Ontario
98%
would recommend us
No-Obligation
free, no-hassle conversation
Trusted by 1,100+ homeowners, just like you, from across Ontario
Renew Your Mortgage With Confidence and Clarity
Every year thousands of Oakville homeowners let their lender auto-renew at posted rates, often paying hundreds more than necessary. Our team believes you deserve better. We start the renewal conversation up to 120 days before maturity, giving you time to compare offers and lock in savings long before the notice arrives in your mailbox.
We negotiate on your behalf with major banks, credit unions and monoline lenders, weighing fixed, variable and hybrid solutions. Live near Lakeshore Road and planning a future move to a larger Glen Abbey home? We can build a portable term. Happy in Bronte but worried about cash flow? We may recommend an extended amortization or a lower-payment variable option.
From reviewing payout penalties to coordinating a seamless switch with your lawyer, we handle every detail so there is zero downtime between mortgages. Most renewals close in less than three weeks, with documents signed electronically from the comfort of your kitchen. Best of all, our service is free in most cases because the chosen lender compensates us, not you.
Chat With Our Renewal TeamFAQs for Mortgage Renewals in Oakville, Ontario
When should we start shopping for a renewal rate?
We begin 120 days before your term ends, the earliest point most lenders will hold a rate. Starting early lets us lock in today’s pricing even if Bank of Canada announcements move markets later.
Can we switch lenders without legal headaches?
Yes, switching is straightforward at renewal because penalties drop to zero. We coordinate the new lender’s instructions with your Oakville lawyer so the transition happens behind the scenes.
How much does it cost to use your renewal service?
In most cases our fee is paid by the new lender, not by you, so our advice and rate shopping come at no out-of-pocket cost. We will disclose any exceptions upfront before you commit.
Should we choose fixed or variable this time?
That depends on your budget and market outlook. We provide side-by-side projections, factoring in Oakville’s average home prices and your future plans, so you can decide with confidence.
Will a renewal let us access extra funds for renovations?
Yes, we can blend a small equity take-out with your renewal or arrange a concurrent HELOC. Many clients use this strategy to modernize older River Oaks kitchens while keeping payments stable.
Please note, it is always best to get in touch with us to make sure every specific question you have is answered directly for 100 percent accurate information.
Our Ontario Mortgage Service Areas
Oakville | Burlington | Mississauga | Milton | Hamilton, Oshawa, Brampton and all across Ontario!