Mortgage rates can change frequently, so it’s essential to regularly review your mortgage—even if you’re not close to your renewal date. I offer ongoing mortgage monitoring to keep an eye on the market for you. When a better rate or product becomes available, I’ll reach out to let you know, helping you save money and make informed decisions.
Sometimes, an early renewal can make sense. This renegotiates your mortgage term and interest rate before your current mortgage ends. Some mortgage products let you do this at any point during your term, but keep in mind that if you have a closed-term mortgage, there may be a prepayment charge for renewing early.
Before making any early renewal decisions, it’s essential to check with your lender about potential fees, prepayment charges, and any restrictions on new mortgage products.
As your Mortgage Centre specialist, I’m here to shop the market on your behalf and help you figure out if breaking your current mortgage and renewing early could save you money. Whenever it makes sense, I’ll guide you through the options and make sure you’re always getting the best deal.

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