Renewal Reminder
Don't just renew. Strategize.
Your mortgage is your biggest financial tool. Set a reminder and let us help you explore options beyond just signing on the dotted line.
- Timely reminders when it matters most
- Never miss the optimal renewal window
- Expert guidance beyond just rates
Most people sign the letter. Then find out what it cost.
The bank's renewal offer arrives with a rate already typed in and a signature line at the bottom. Most homeowners sign it between dinner and dishes and never find out what it cost them. Set the reminder and that won't be you.
- Banks rarely lead with their best rate. The letter is an opening bid, not a final offer.
- Starting early means more options. 120 days out, every lender can hold a rate for you.
- You may qualify for better than last time. More equity, better credit, higher income — the file has changed.
- Your goals have changed too. Renos, a rental, debt gone, done sooner — renewal is when you build it in.
- Switching at renewal has no penalty. And the new lender usually covers the legal costs.
The one stretch of your mortgage when the bank needs you more than you need it.
Inside 120 days of renewal, a new lender can hold a rate for you and cover the legal costs of moving your mortgage over. That flips the table: instead of you asking the bank for a better deal, every lender in Canada is asking for your business. We hold the best rate, hand your bank the number to beat, and let them fight it out. If they match, you stay and it cost you nothing. If they don't, you move and it cost you nothing.
That's Renewal Defense. It's included with every Hello mortgage — and the reminder above is how you make sure the window doesn't open and close without you noticing.
Everything people ask before they type in a date.
Type in the date. We'll do the remembering.
Then forget about it. When your window opens we'll show up with the rates in hand — and for once, the bank's letter will have some competition.
Set my reminderYour mortgage questions live here.
Whether you’re buying, renewing, refinancing or simply trying to make the numbers behave, start with the service—or the Alberta community—that feels most like home.