Is "The Renewal Playbook" really free?

Yes. The Renewal Playbook is a free 22-page guide. Enter your email and we'll send the PDF right away — no cost and no obligation.

What does "The Renewal Playbook" cover?

It runs 22 pages across 7 sections — including Why your bank sends the letter 21 days out (it's strategic); The 120-day window: what to do, week-by-week; Reading your renewal letter — what to ignore, what to negotiate, and more.

Is this guide specific to Canada?

Yes. It's written by the FSRA-licensed team at Mortgage Squad Advisors (Brokerage #13737) for the Canadian market, with rules, programs, and rate context current for 2026.

Do I have to be a Mortgage Squad Advisors client to get it?

No. The guide is free to anyone — whether you're ready to apply or just researching your options.

How do I get advice for my own situation?

Ask Maya, our AI advisor, free 24/7 in 50+ languages, or book a no-obligation call with a senior broker. The guide explains the concepts; we tailor them to your file.

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The Renewal Playbook

22 pages · PDF · Free, no signup

11 min read

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Free guide

The Renewal Playbook

How to beat your bank's first offer by 30-60 bps

70% of Canadians renew with their bank at the rate they're first quoted. This guide is the alternative — a 5-day playbook for 120 days before maturity that, on average, saves clients $4,200 over a 5-year term.

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Inside the guide

7 sections

1Why your bank sends the letter 21 days out (it's strategic)
2The 120-day window: what to do, week-by-week
3Reading your renewal letter — what to ignore, what to negotiate
4Stay vs. switch: the math, with worked examples
5Email scripts that get bank reps to budge
6The Loyalty Rate trap (and how to flip it)
7When refinancing at renewal makes more sense than renewing

Frequently asked questions

Is "The Renewal Playbook" really free?: Yes. The Renewal Playbook is a free 22-page guide. Enter your email and we'll send the PDF right away — no cost and no obligation.
What does "The Renewal Playbook" cover?: It runs 22 pages across 7 sections — including Why your bank sends the letter 21 days out (it's strategic); The 120-day window: what to do, week-by-week; Reading your renewal letter — what to ignore, what to negotiate, and more.
Is this guide specific to Canada?: Yes. It's written by the FSRA-licensed team at Mortgage Squad Advisors (Brokerage #13737) for the Canadian market, with rules, programs, and rate context current for 2026.
Do I have to be a Mortgage Squad Advisors client to get it?: No. The guide is free to anyone — whether you're ready to apply or just researching your options.
How do I get advice for my own situation?: Ask Maya, our AI advisor, free 24/7 in 50+ languages, or book a no-obligation call with a senior broker. The guide explains the concepts; we tailor them to your file.

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