When your existing mortgage is up to renewal your current lender will send you renewal papers with as little as one signature required. Please remember that existing lenders tend to offer less than competitive rates at renewal hoping their customers will simply accept their renewal offer without researching what the competition has to offer. They may have been the best lender at the time of purchase, but they may now be less competitive at time renewal
It is really the time to contact me so we can start shopping around for the best lender with the best possible rate and products. Let me know within 120 days of your renewal date and we can start working together.
Yes, it will require to requalify and yes, you will have to provide new supporting documents, but wouldn't you want to potentially save thousands of dollars in interest?
Remember that 70% of homeowners send back paperwork at time of renewal without asking any questions!
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Tania Dube offers Mortgage Services to clients across Cochrane, Airdrie, Okotoks, Calgary, Bragg Creek, Chestermere, Langdon, Canmore, Grande Prairie, Edmonton, and all Alberta.