Mortgage Renewal · Vancouver Island & BC

Your renewal is an opportunity. Let's not waste it on autopilot.

When your mortgage comes up for renewal, your lender mails you an offer and hopes you sign it. Many homeowners do, and often leave money and flexibility on the table. Your renewal is actually one of the best chances you have to improve your mortgage.


Since 2009, I have helped homeowners across Vancouver Island and all of BC compare the whole market at renewal, so their mortgage keeps fitting their life. Before you sign, let's make sure you are getting the right deal.

What we cover together

More than a rate. A strategy for your future.

How your lender's offer compares to the wider market
Whether switching lenders or staying put is the better move
Whether refinancing, consolidating debt, or accessing equity would serve you better
Penalties, portability, and prepayment privileges, explained plainly
Any life changes since your last term that should shape this one
How to use a competing offer to negotiate with your current lender

Why work with me

I compare the whole market so you do not have to.

Your current lender is counting on convenience, and their first offer is rarely their best. I shop multiple lenders, review your goals and any life changes, and explain the long-term cost of each option, not just the rate. My goal is a renewal that supports your future, not just the next term.


You work directly with me, and because my process is fully virtual, I help homeowners across the Island and all of BC.

How it works

Getting started is simpler than you think

01 Let's talk

Send me your renewal letter and tell me what has changed since your last mortgage. Book a call and let's start there.


02 I build your plan

I compare your offer against my network of lenders and show you whether staying or switching gets you the better result.


03 I stay with you

I remain your resource for the whole term and the next renewal, so you never have to sign on autopilot again.

Common questions

Renewal questions I am asked all the time

Don't see your question here? Book a free consultation and I will answer it directly.

  • Should I renew with my current lender or shop around?

    Rarely should you simply sign the first offer. Your lender is counting on your inertia, and it is often not their best rate. Since your renewal lets you move without penalty, it is worth having me compare multiple lenders and review your goals before you sign.

  • When should I start looking at my renewal options?

    About four months before your maturity date. Starting early lets me secure a rate hold and shop your options without pressure, so you are never stuck signing at the last minute.

  • Does switching lenders at renewal cost anything?

    A straight switch or transfer is often low cost or no cost, because many lenders cover the legal and appraisal fees to earn your business. If your goals call for a refinance instead, there may be costs, which I explain clearly before you commit.

  • Will I have to requalify if I switch lenders?

    Yes. Moving to a new lender means they treat your mortgage as a new application, so you requalify based on your current income, credit and the stress test. For most people this is straightforward, and I guide you through it. Staying with your current lender avoids requalifying.

  • Do I have to live near Port Alberni to work with you?

    Not at all. My process is fully virtual, so I help homeowners across Vancouver Island and all of British Columbia through phone, video, secure document uploads and electronic signatures.


Still have a question?

CONTACT

Let's find out whether staying or switching is the better move for you.

No obligation and no pressure, just a clear conversation about your goals.

If you would like to speak sooner, reach me directly at 250-731-9194.