Best renewal mortgage rates in Alberta.
Your bank's renewal letter is an opening bid, not a final answer.
Your bank's renewal letter is an opening bid, not a final answer.
Banks count on the fact that most people sign the renewal letter. That's why the rate in it is rarely their best. Switching lenders at renewal costs you nothing—the new lender covers legal and appraisal—and if your original mortgage was insured, or your home is under $1.5 million with 20%+ equity, you qualify for insurable pricing that's often sharper than what your bank offers to keep you.
- Your renewal is within 6 months (we can hold a rate 120 days out)
- Your bank's offer is above what you see here
- You've never actually shopped a renewal before
- You're mid-term with a big penalty—that's the refinance page
- You want to pull equity out at the same time (also refinance)
- You're behind on payments—talk to us first, the play is different
The whole shelf, filtered to you.
Only the products a renewal can actually get (insured or conventional insurable), lowest lender first. Payments on a $500,000 mortgage over 25 years.
Don't sign it yet.
Put your bank's offer beside 50+ lenders in about 60 seconds—free, private, no credit check. If the letter's actually a good deal, we'll tell you that too.
The questions you're asking. And the ones you should be.
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