Offcanvas
Your current lender’s offer is rarely the best; a mortgage renewal in Canada is your chance to shop the entire market for better terms.
You can often start the process 120 days before your term ends to lock in a guaranteed rate and protect against future hikes.
If your current bank won't budge, we make transferring your mortgage renewal to a new lender seamless and cost-effective.
From rate research to final paperwork, we handle the complexities of your mortgage renewal in Canada so you don't have to.
We analyze your current contract and financial goals 4 to 6 months before your mortgage renewal date.
We create a plan to mitigate "payment shock," comparing fixed vs. variable options tailored to the 2026 economic outlook.
We leverage our network to find the most competitive mortgage renewal rates in Canada that fit your specific profile.
We finalize your new terms and continue monitoring the market to ensure your mortgage remains optimized.
You should begin researching options 120 days before your maturity date to lock in current rates.
Yes, and often the new lender will cover appraisal or setup fees to earn your business.
We explore options like extending amortization or debt consolidation to keep your mortgage renewal manageable.
Most lenders allow an “early renewal” within the last 4 to 6 months of your term without any penalty fees.
Schedule a one-on-one consultation with a Mortivo Mortgage expert. Get personalized advice, explore your options, and start your mortgage journey with confidence—online, over the phone, or in person.
“Motivo” is a word of Italian and Spanish origin, meaning reason, cause, or motive
© 2025 All right Reserve
Enter values and run underwriting.
