Homeowner hub — your
mortgage doesn’t end
at the keys.
Most homeowners never look at their mortgage again until renewal — and that’s where money slips away. Free annual check-up, open to any homeowner.
Four stages,
one advisor.
The homeowners who come out ahead don’t just sign once — they review, optimize, and time their moves.
Start strong from day one
The first 90 days set the tone. Confirm your payment frequency, activate your prepayment privileges (most mortgages let you pay extra penalty-free each year), and get property tax and insurance locked in.
Optimize while you own
Don't set it and forget it. An annual check-up catches a rate that's drifted off-market, unused prepayment room, and equity that's quietly opened up new options. Small moves now compound over the term.
Renew on your terms
About 120 days before your maturity date, many lenders will hold a rate or allow early renewal. We lock a rate and shop the whole market before your renewal letter arrives — so you're never cornered into your bank's first offer.
Put your equity to work
When the math works, your mortgage becomes a tool: a lower rate, debt consolidated at mortgage rates, a renovation funded, or the down payment on your next property. We model net-of-penalty numbers first.
How the free
check-up works.
15 minutes. No obligation.
Open to any homeowner, any lender.
Book a free annual check-up
15 minutes with a licensed advisor — open to any homeowner, any lender. We review your rate, prepayment privileges, equity position, and renewal timeline, and tell you plainly if there's money to save or nothing to change.
We model your options
If your rate has drifted, we show you the exact savings. If you carry high-interest debt, we model what consolidation looks like at mortgage rates. If renewal is coming, we hold a rate and shop 100+ lenders before you get the letter.
Act when — and only when — the numbers work
We never recommend moving unless you come out ahead after all fees. When it makes sense, we handle the whole file — lender, lawyer, and discharge — so you close without surprises.
We can help wherever
you are in the cycle.
Tap any situation below to see how we approach it.
If you’re…Your renewal is coming up in 120 days or less
Your renewal is coming up in 120 days or less
You have more leverage now than the day your letter arrives. We can hold a rate, shop 100+ lenders, and negotiate — while your current lender still thinks you'll auto-renew.
Go to renewal centreIf you’re…You carry $20,000+ in credit card or line-of-credit debt
You carry $20,000+ in credit card or line-of-credit debt
Rolling high-interest debt into your mortgage at mortgage rates can save thousands per year. We model the full consolidation math — net of any penalty — before you touch a dollar.
Model debt consolidationIf you’re…You locked a high rate and have 24+ months left
You locked a high rate and have 24+ months left
If the rate gap is wide enough, breaking and refinancing can pay off inside the remaining term. We compute your exact prepayment penalty and break-even so you decide with the full picture.
Run my numbersIf you’re…You want to fund a renovation without selling
You want to fund a renovation without selling
A refinance or HELOC lets you access up to 80% of your home's appraised value — often at a better rate than a construction loan. We compare all paths side by side.
Explore equity accessIf you’re…You want to buy an investment property
You want to buy an investment property
The down payment can come from your home's equity through a refinance or second mortgage. We structure the file to maximise rental income offsets and qualify you at the right lender.
Explore investment optionsIf you’re…You've never reviewed your mortgage since closing
You've never reviewed your mortgage since closing
The annual check-up is free, 15 minutes, and open to any homeowner with any lender. Most homeowners find at least one underused prepayment privilege or a rate improvement they didn't know was available.
Book my free check-upEvery service you need
after closing.
One advisor. Every stage of the homeowner lifecycle — renewal, refinance, equity, and growth.
Homeowner questions,
clear answers.
Check-ups, renewals, switching lenders, refinancing — answered plainly.
What is an annual mortgage check-up?
A short, no-obligation review of your existing mortgage: is your rate still competitive versus today's market, are you using your prepayment privileges, has your equity opened up options (a HELOC, a refinance, an investment property), and when is your renewal? Most homeowners never review their mortgage between signing and renewal — and that's exactly where money is left on the table.
When should I start thinking about my renewal?
About 120 days before your maturity date. That isn't a legal rule, but many lenders will hold a rate or let you renew early from around then, so we can lock a rate and shop the market before you're cornered into your bank's first offer. By law, a federally regulated lender only has to send your renewal statement at least 21 days before the term ends. Set a renewal reminder and we'll reach out at the right time.
Can I switch lenders at renewal without a penalty?
Usually yes. At the end of your term you can transfer to a new lender on a straight switch with no prepayment penalty, and the new lender frequently covers the basic transfer costs. Since November 21, 2024, a straight switch (same balance and amortization) no longer requires the stress test at federally regulated lenders, even for uninsured mortgages. Most people just don't realize they can, so they auto-renew.
How do I know if refinancing is worth it?
It depends on your rate, your remaining term, your penalty to break, and what you'd use the funds for (a lower rate, debt consolidation, a renovation, or a down payment on an investment property). We model the net-of-penalty math so you only refinance when the numbers actually work — and tell you plainly when they don't. Breaking a fixed term usually costs the greater of three months' interest or an interest-rate differential.
Do I have to be a Mortgage Squad client to get a check-up?
No. The annual check-up is free and open to any homeowner, whether your mortgage is with us or not. Ask Maya anytime, or book a 15-minute review with a licensed advisor.
We’ll try to beat your rate.
If we can’t, we pay you $500.¹
¹ Rate Beat: eligible Big-6 bank written offers only · same product, term & amount · $500 paid to you or your nominated charity at closing · conditions apply