Last updated: February 2026
By accessing or using the Hello Mortgage Team Renewal Rate Checker (the "Tool"), operated by Matt Broom-Hall of Hello Mortgage Team, licensed under BRX Mortgage ("we," "us," or "our"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Tool.
The Tool is a free, educational mortgage comparison calculator that provides estimated rate comparisons, payment scenarios, and strategic options based on information you provide. It is designed to help homeowners understand their options at renewal time.
The information provided by this Tool is for educational and informational purposes only. It does not constitute financial advice, mortgage advice, or an offer or solicitation to lend. The rates, payments, and scenarios displayed are estimates only and are subject to change without notice. All lending decisions are subject to credit approval and satisfaction of lender conditions.
You should consult with a qualified mortgage professional before making any financial decisions. We recommend speaking with Matt Broom-Hall or another licensed mortgage broker to discuss your specific situation.
While we strive to keep rates and calculations current, we make no guarantees regarding the accuracy, completeness, or timeliness of any information provided by the Tool. Rates displayed are updated regularly but may differ from rates available at the time of your application. Property values, equity calculations, and payment estimates are approximations based on the data you provide.
By submitting your information through the Tool (including your name, email address, property details, and mortgage information), you consent to:
You may unsubscribe from email communications at any time by replying to any email with "unsubscribe" or by contacting us directly.
The Tool may generate personalized URLs that provide you with updated rate comparisons. These links are unique to you and should not be shared publicly. The information accessible through your personalized link reflects your specific mortgage details and current market rates.
The Tool may contain links to third-party websites or services (such as our application portal, scheduling system, or payment relief calculator). We are not responsible for the content, privacy practices, or terms of these third-party services. Your use of third-party services is governed by their respective terms and policies.
To the fullest extent permitted by law, Hello Mortgage Team, Matt Broom-Hall, and BRX Mortgage shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Tool, including but not limited to:
All content, design, and functionality of the Tool are the property of Hello Mortgage Team and are protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from the Tool without our written consent.
These Terms shall be governed by and construed in accordance with the laws of the Province of Alberta and the federal laws of Canada applicable therein. Any disputes arising from these Terms shall be resolved in the courts of Alberta.
Matt Broom-Hall is a licensed mortgage broker with BRX Mortgage and operates under the rules and regulations of the Real Estate Act as governed by the Real Estate Council of Alberta (RECA). All mortgage services are subject to applicable regulatory requirements.
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of the Tool after changes are posted constitutes acceptance of the revised Terms.
For questions about these Terms of Service, contact us:
Matt Broom-Hall
Hello Mortgage Team | BRX Mortgage
500 4th Avenue SW, Suite 2500, Calgary, AB T2P 2V6
sayhello@hellomortgage.ca
780-900-2495
Estimates only — not a rate quote or approval. A licensed Hello Mortgage Team broker (Powered by BRX Mortgage) confirms your actual numbers.